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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 | $58,303 | $107,733-45.9% | $92,985-37.3% | $154,746-62.3% |
| Participation rate | 89.5% | 74.6%+14.9pp | 69.5%+20.0pp | 80.7%+8.8pp |
| Annual return | 14.68% | 30.39%-15.7pp | 27.99%-13.3pp | 172.34%-157.7pp |
| Employer contribution / active EE | $2,667 | $3,126-14.7% | $2,662+0.2% | $4,379-39.1% |
| Participant deferral / active EE | $5,759 | $5,053+14.0% | $4,377+31.6% | $6,730-14.4% |
| Admin fee / account holder | $8,944 | $11,369-21.3% | $9,463-5.5% | $14,365-37.7% |