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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 | $56,174 | $88,707-36.7% | $74,184-24.3% | $273,972-79.5% |
| Participation rate | 91.7% | 79.4%+12.2pp | 76.6%+15.0pp | 83.0%+8.7pp |
| Annual return | 5.55% | 11.94%-6.4pp | 17.74%-12.2pp | 41.46%-35.9pp |
| Employer contribution / active EE | $618 | $3,159-80.4% | $2,370-73.9% | $4,869-87.3% |
| Participant deferral / active EE | $5,104 | $4,212+21.2% | $3,550+43.8% | $5,287-3.5% |
| Admin fee / account holder | $1,077 | $8,717-87.6% | $5,586-80.7% | $10,133-89.4% |