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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 | $54,695 | $69,977-21.8% | $108,582-49.6% | $62,881-13.0% |
| Participation rate | 83.9% | 72.9%+11.0pp | 79.6%+4.3pp | 69.3%+14.6pp |
| Annual return | 5.70% | 10.73%-5.0pp | -51.70%+57.4pp | 20.14%-14.4pp |
| Employer contribution / active EE | $1,956 | $2,135-8.4% | $3,758-48.0% | $2,281-14.2% |
| Participant deferral / active EE | $3,023 | $3,165-4.5% | $4,311-29.9% | $3,203-5.6% |
| Admin fee / account holder | $3,802 | $5,076-25.1% | $7,645-50.3% | $4,296-11.5% |