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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 | $97,550-28.5% | $120,344-42.0% | $87,485-20.2% |
| Participation rate | 73.7% | 72.8%+0.9pp | 76.7%-3.0pp | 68.9%+4.8pp |
| Annual return | 13.16% | 18.41%-5.3pp | 20.30%-7.1pp | 26.06%-12.9pp |
| Employer contribution / active EE | $1,965 | $2,291-14.2% | $3,020-34.9% | $2,596-24.3% |
| Participant deferral / active EE | $5,491 | $4,230+29.8% | $5,135+6.9% | $4,274+28.5% |
| Admin fee / account holder | $7,991 | $9,543-16.3% | $12,742-37.3% | $7,775+2.8% |