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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 | $48,079 | $43,338+10.9% | $59,887-19.7% | $64,173-25.1% |
| Participation rate | 76.6% | 69.2%+7.5pp | 74.7%+1.9pp | 69.6%+7.1pp |
| Annual return | 8.52% | -1.55%+10.1pp | 3.46%+5.1pp | 7.63%+0.9pp |
| Employer contribution / active EE | $1,343 | $2,030-33.8% | $2,722-50.6% | $2,381-43.6% |
| Participant deferral / active EE | $1,639 | $2,547-35.7% | $3,402-51.8% | $3,470-52.8% |
| Admin fee / account holder | $2,551 | $3,007-15.2% | $3,591-29.0% | $4,887-47.8% |