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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 | $69,771 | $95,453-26.9% | $112,040-37.7% | $82,448-15.4% |
| Participation rate | 73.7% | 72.8%+0.9pp | 76.5%-2.8pp | 68.1%+5.6pp |
| Annual return | 13.16% | 23.92%-10.8pp | 24.52%-11.4pp | 41.64%-28.5pp |
| Employer contribution / active EE | $1,965 | $2,318-15.2% | $2,954-33.5% | $2,551-23.0% |
| Participant deferral / active EE | $5,491 | $4,224+30.0% | $5,098+7.7% | $4,139+32.7% |
| Admin fee / account holder | $7,991 | $9,013-11.3% | $12,098-33.9% | $7,234+10.5% |