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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 | $77,298 | $106,749-27.6% | $145,433-46.8% | $82,448-6.2% |
| Participation rate | 93.1% | 75.6%+17.5pp | 82.1%+11.0pp | 68.1%+25.0pp |
| Annual return | 15.76% | 27.59%-11.8pp | 66.58%-50.8pp | 41.64%-25.9pp |
| Employer contribution / active EE | $2,348 | $3,444-31.8% | $4,554-48.5% | $2,551-8.0% |
| Participant deferral / active EE | $4,669 | $6,519-28.4% | $7,897-40.9% | $4,139+12.8% |
| Admin fee / account holder | $656 | $8,390-92.2% | $13,129-95.0% | $7,234-90.9% |