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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 | $56,528 | $58,627-3.6% | $76,735-26.3% | $82,448-31.4% |
| Participation rate | 73.1% | 63.2%+9.9pp | 69.5%+3.6pp | 68.1%+5.0pp |
| Annual return | 17.02% | 39.10%-22.1pp | 29.77%-12.7pp | 41.64%-24.6pp |
| Employer contribution / active EE | $1,933 | $1,729+11.8% | $2,454-21.2% | $2,551-24.2% |
| Participant deferral / active EE | $4,756 | $3,134+51.8% | $4,088+16.4% | $4,139+14.9% |
| Admin fee / account holder | $4,779 | $5,323-10.2% | $7,189-33.5% | $7,234-33.9% |