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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 | $46,021 | $60,349-23.7% | $74,184-38.0% | $62,881-26.8% |
| Participation rate | 95.9% | 72.7%+23.2pp | 76.6%+19.3pp | 69.3%+26.6pp |
| Annual return | 5.67% | 21.38%-15.7pp | 17.74%-12.1pp | 20.14%-14.5pp |
| Employer contribution / active EE | $583 | $1,680-65.3% | $2,370-75.4% | $2,281-74.5% |
| Participant deferral / active EE | $2,803 | $2,856-1.9% | $3,550-21.0% | $3,203-12.5% |
| Admin fee / account holder | $5,623 | $4,261+32.0% | $5,586+0.7% | $4,296+30.9% |