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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 | $34,816 | $88,583-60.7% | $88,497-60.7% | $273,972-87.3% |
| Participation rate | 95.8% | 83.5%+12.4pp | 82.4%+13.4pp | 83.0%+12.8pp |
| Annual return | 6.90% | 5.68%+1.2pp | 7.63%-0.7pp | 41.46%-34.6pp |
| Employer contribution / active EE | $5,382 | $4,502+19.5% | $4,036+33.3% | $4,869+10.5% |
| Participant deferral / active EE | $4,387 | $4,891-10.3% | $4,899-10.5% | $5,287-17.0% |
| Admin fee / account holder | $1,550 | $8,980-82.7% | $6,220-75.1% | $10,133-84.7% |