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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $59,223 | $56,894+4.1% | $84,753-30.1% | $62,881-5.8% |
| Participation rate | 77.8% | 68.5%+9.2pp | 76.6%+1.2pp | 69.3%+8.5pp |
| Annual return | 8.19% | 6.30%+1.9pp | 22.78%-14.6pp | 20.14%-12.0pp |
| Employer contribution / active EE | $861 | $2,400-64.1% | $3,574-75.9% | $2,281-62.3% |
| Participant deferral / active EE | $3,396 | $2,709+25.4% | $3,712-8.5% | $3,203+6.0% |
| Admin fee / account holder | $1,167 | $3,581-67.4% | $5,333-78.1% | $4,296-72.8% |