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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 | $63,930 | $87,834-27.2% | $133,975-52.3% | $62,881+1.7% |
| Participation rate | 95.2% | 83.4%+11.9pp | 87.1%+8.2pp | 69.3%+25.9pp |
| Annual return | 6.85% | 12.05%-5.2pp | 29.29%-22.4pp | 20.14%-13.3pp |
| Employer contribution / active EE | $2,431 | $3,482-30.2% | $5,211-53.4% | $2,281+6.6% |
| Participant deferral / active EE | $3,520 | $4,812-26.8% | $6,282-44.0% | $3,203+9.9% |
| Admin fee / account holder | $1,150 | $5,372-78.6% | $9,324-87.7% | $4,296-73.2% |