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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 | $60,691 | $56,287+7.8% | $80,977-25.1% | $62,881-3.5% |
| Participation rate | 74.1% | 68.9%+5.1pp | 75.8%-1.7pp | 69.3%+4.8pp |
| Annual return | 8.97% | 22.13%-13.2pp | 17.11%-8.1pp | 20.14%-11.2pp |
| Employer contribution / active EE | $518 | $1,943-73.3% | $3,715-86.1% | $2,281-77.3% |
| Participant deferral / active EE | $4,849 | $4,196+15.6% | $5,696-14.9% | $3,203+51.4% |
| Admin fee / account holder | $3,962 | $3,742+5.9% | $5,517-28.2% | $4,296-7.8% |