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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 | $52,652 | $76,551-31.2% | $123,894-57.5% | $62,881-16.3% |
| Participation rate | 73.2% | 73.0%+0.2pp | 81.4%-8.2pp | 69.3%+3.9pp |
| Annual return | 9.36% | 18.68%-9.3pp | 47.52%-38.2pp | 20.14%-10.8pp |
| Employer contribution / active EE | $2,629 | $2,882-8.8% | $4,617-43.1% | $2,281+15.3% |
| Participant deferral / active EE | $5,458 | $4,840+12.8% | $5,984-8.8% | $3,203+70.4% |
| Admin fee / account holder | $5,786 | $4,826+19.9% | $8,357-30.8% | $4,296+34.7% |