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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 | $54,674 | $99,345-45.0% | $84,753-35.5% | $273,972-80.0% |
| Participation rate | 80.0% | 80.7%-0.7pp | 76.6%+3.4pp | 83.0%-3.0pp |
| Annual return | 6.71% | 22.93%-16.2pp | 22.78%-16.1pp | 41.46%-34.7pp |
| Employer contribution / active EE | $2,590 | $4,214-38.5% | $3,574-27.5% | $4,869-46.8% |
| Participant deferral / active EE | $4,475 | $4,270+4.8% | $3,712+20.6% | $5,287-15.4% |
| Admin fee / account holder | $2,470 | $6,645-62.8% | $5,333-53.7% | $10,133-75.6% |