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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 | $46,953 | $88,707-47.1% | $74,184-36.7% | $273,972-82.9% |
| Participation rate | 80.0% | 79.4%+0.6pp | 76.6%+3.4pp | 83.0%-3.0pp |
| Annual return | 4.20% | 11.94%-7.7pp | 17.74%-13.5pp | 41.46%-37.3pp |
| Employer contribution / active EE | $2,592 | $3,159-18.0% | $2,370+9.3% | $4,869-46.8% |
| Participant deferral / active EE | $6,422 | $4,212+52.5% | $3,550+80.9% | $5,287+21.5% |
| Admin fee / account holder | $586 | $8,717-93.3% | $5,586-89.5% | $10,133-94.2% |