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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 | $75,321 | $138,393-45.6% | $184,256-59.1% | $80,959-7.0% |
| Participation rate | 91.1% | 83.9%+7.2pp | 86.8%+4.3pp | 67.7%+23.4pp |
| Annual return | 18.63% | 20.01%-1.4pp | 28.85%-10.2pp | 35.67%-17.0pp |
| Employer contribution / active EE | $2,311 | $4,847-52.3% | $6,427-64.0% | $2,757-16.2% |
| Participant deferral / active EE | $5,323 | $7,076-24.8% | $9,133-41.7% | $4,300+23.8% |
| Admin fee / account holder | $4,192 | $10,489-60.0% | $13,899-69.8% | $6,925-39.5% |