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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 | $65,321 | $86,919-24.8% | $102,457-36.2% | $80,911-19.3% |
| Participation rate | 73.8% | 72.4%+1.4pp | 76.5%-2.7pp | 67.6%+6.1pp |
| Annual return | 13.17% | 18.90%-5.7pp | 29.41%-16.2pp | 35.63%-22.5pp |
| Employer contribution / active EE | $1,293 | $2,368-45.4% | $3,022-57.2% | $2,756-53.1% |
| Participant deferral / active EE | $5,361 | $4,119+30.1% | $5,054+6.1% | $4,297+24.8% |
| Admin fee / account holder | $4,772 | $8,049-40.7% | $9,451-49.5% | $6,935-31.2% |