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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 | $62,156 | $86,949-28.5% | $102,460-39.3% | $80,959-23.2% |
| Participation rate | 87.2% | 72.4%+14.8pp | 76.5%+10.7pp | 67.7%+19.6pp |
| Annual return | 10.47% | 18.89%-8.4pp | 29.47%-19.0pp | 35.67%-25.2pp |
| Employer contribution / active EE | $1,729 | $2,370-27.0% | $3,025-42.8% | $2,757-37.3% |
| Participant deferral / active EE | $3,786 | $4,121-8.1% | $5,056-25.1% | $4,300-12.0% |
| Admin fee / account holder | $10,294 | $8,048+27.9% | $9,460+8.8% | $6,925+48.6% |