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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 | $106,864-27.7% | $147,318-47.5% | $82,637-6.5% |
| Participation rate | 93.1% | 75.5%+17.6pp | 82.1%+11.0pp | 68.1%+25.0pp |
| Annual return | 15.76% | 27.49%-11.7pp | 70.43%-54.7pp | 53.51%-37.7pp |
| Employer contribution / active EE | $2,348 | $3,417-31.3% | $4,593-48.9% | $2,552-8.0% |
| Participant deferral / active EE | $4,669 | $6,496-28.1% | $7,906-41.0% | $4,126+13.1% |
| Admin fee / account holder | $656 | $8,415-92.2% | $13,708-95.2% | $7,339-91.1% |