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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 | $50,609 | $69,977-27.7% | $108,582-53.4% | $62,881-19.5% |
| Participation rate | 84.6% | 72.9%+11.7pp | 79.6%+5.0pp | 69.3%+15.3pp |
| Annual return | 6.50% | 10.73%-4.2pp | -51.70%+58.2pp | 20.14%-13.6pp |
| Employer contribution / active EE | $2,301 | $2,135+7.8% | $3,758-38.8% | $2,281+0.9% |
| Participant deferral / active EE | $2,668 | $3,165-15.7% | $4,311-38.1% | $3,203-16.7% |
| Admin fee / account holder | $3,275 | $5,076-35.5% | $7,645-57.2% | $4,296-23.8% |