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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 | $99,875-22.6% | $146,866-47.4% | $86,983-11.1% |
| Participation rate | 93.1% | 75.8%+17.3pp | 82.5%+10.6pp | 69.5%+23.6pp |
| Annual return | 15.76% | 28.10%-12.3pp | 102.85%-87.1pp | 25.83%-10.1pp |
| Employer contribution / active EE | $2,348 | $3,224-27.2% | $4,425-46.9% | $2,584-9.2% |
| Participant deferral / active EE | $4,669 | $6,322-26.2% | $7,759-39.8% | $4,194+11.3% |
| Admin fee / account holder | $656 | $7,838-91.6% | $13,620-95.2% | $7,856-91.6% |