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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 | $55,879 | $79,557-29.8% | $118,746-52.9% | $70,126-20.3% |
| Participation rate | 85.2% | 71.4%+13.8pp | 78.3%+6.9pp | 69.5%+15.6pp |
| Annual return | 12.71% | 25.64%-12.9pp | 24.54%-11.8pp | 73.15%-60.4pp |
| Employer contribution / active EE | $1,906 | $2,861-33.4% | $4,193-54.5% | $2,343-18.6% |
| Participant deferral / active EE | $5,566 | $4,089+36.1% | $5,332+4.4% | $3,332+67.0% |
| Admin fee / account holder | $5,861 | $5,374+9.0% | $10,720-45.3% | $4,645+26.2% |