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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 | $79,231 | $88,583-10.6% | $88,497-10.5% | $273,972-71.1% |
| Participation rate | 85.7% | 83.5%+2.2pp | 82.4%+3.3pp | 83.0%+2.7pp |
| Annual return | 5.85% | 5.68%+0.2pp | 7.63%-1.8pp | 41.46%-35.6pp |
| Employer contribution / active EE | $2,650 | $4,502-41.2% | $4,036-34.4% | $4,869-45.6% |
| Participant deferral / active EE | $5,350 | $4,891+9.4% | $4,899+9.2% | $5,287+1.2% |
| Admin fee / account holder | $2,223 | $8,980-75.2% | $6,220-64.3% | $10,133-78.1% |