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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 | $63,949 | $105,623-39.5% | $87,502-26.9% | $273,972-76.7% |
| Participation rate | 80.0% | 78.2%+1.8pp | 73.8%+6.2pp | 83.0%-3.0pp |
| Annual return | 5.45% | 12.26%-6.8pp | 12.21%-6.8pp | 41.46%-36.0pp |
| Employer contribution / active EE | $3,124 | $3,141-0.5% | $2,550+22.5% | $4,869-35.8% |
| Participant deferral / active EE | $5,099 | $3,601+41.6% | $3,149+61.9% | $5,287-3.6% |
| Admin fee / account holder | $1,373 | $4,781-71.3% | $4,221-67.5% | $10,133-86.4% |