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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 | $53,128 | $76,551-30.6% | $123,894-57.1% | $62,881-15.5% |
| Participation rate | 73.3% | 73.0%+0.4pp | 81.4%-8.1pp | 69.3%+4.0pp |
| Annual return | 11.87% | 18.68%-6.8pp | 47.52%-35.6pp | 20.14%-8.3pp |
| Employer contribution / active EE | $793 | $2,882-72.5% | $4,617-82.8% | $2,281-65.2% |
| Participant deferral / active EE | $4,856 | $4,840+0.3% | $5,984-18.9% | $3,203+51.6% |
| Admin fee / account holder | $4,407 | $4,826-8.7% | $8,357-47.3% | $4,296+2.6% |