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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 | $77,993 | $49,025+59.1% | $87,502-10.9% | $62,881+24.0% |
| Participation rate | 87.8% | 64.9%+22.9pp | 73.8%+13.9pp | 69.3%+18.5pp |
| Annual return | 6.30% | 10.02%-3.7pp | 12.21%-5.9pp | 20.14%-13.8pp |
| Employer contribution / active EE | $1,342 | $1,372-2.2% | $2,550-47.4% | $2,281-41.2% |
| Participant deferral / active EE | $4,429 | $2,289+93.5% | $3,149+40.7% | $3,203+38.3% |
| Admin fee / account holder | $3,350 | $4,065-17.6% | $4,221-20.6% | $4,296-22.0% |