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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 | $52,306 | $99,345-47.3% | $84,753-38.3% | $273,972-80.9% |
| Participation rate | 86.4% | 80.7%+5.7pp | 76.6%+9.8pp | 83.0%+3.3pp |
| Annual return | 5.69% | 22.93%-17.2pp | 22.78%-17.1pp | 41.46%-35.8pp |
| Employer contribution / active EE | $2,028 | $4,214-51.9% | $3,574-43.3% | $4,869-58.3% |
| Participant deferral / active EE | $3,737 | $4,270-12.5% | $3,712+0.7% | $5,287-29.3% |
| Admin fee / account holder | $690 | $6,645-89.6% | $5,333-87.1% | $10,133-93.2% |