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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 | $64,696 | $93,064-30.5% | $74,577-13.2% | $273,972-76.4% |
| Participation rate | 95.7% | 74.9%+20.7pp | 68.1%+27.5pp | 83.0%+12.6pp |
| Annual return | 7.39% | 26.18%-18.8pp | 20.47%-13.1pp | 41.46%-34.1pp |
| Employer contribution / active EE | $1,439 | $3,160-54.5% | $2,525-43.0% | $4,869-70.4% |
| Participant deferral / active EE | $5,228 | $4,160+25.7% | $3,458+51.2% | $5,287-1.1% |
| Admin fee / account holder | $1,720 | $5,273-67.4% | $4,138-58.4% | $10,133-83.0% |