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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 | $77,220 | $81,476-5.2% | $102,383-24.6% | $80,925-4.6% |
| Participation rate | 73.2% | 66.8%+6.3pp | 74.5%-1.3pp | 67.7%+5.5pp |
| Annual return | 12.33% | 25.59%-13.3pp | 24.94%-12.6pp | 35.65%-23.3pp |
| Employer contribution / active EE | $1,472 | $3,105-52.6% | $3,870-62.0% | $2,756-46.6% |
| Participant deferral / active EE | $4,783 | $3,871+23.6% | $5,060-5.5% | $4,299+11.3% |
| Admin fee / account holder | $5,753 | $6,717-14.4% | $8,391-31.4% | $6,940-17.1% |