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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 | $67,216 | $149,446-55.0% | $256,809-73.8% | $94,015-28.5% |
| Participation rate | 85.9% | 85.3%+0.6pp | 88.5%-2.6pp | 70.8%+15.1pp |
| Annual return | 18.59% | 17.55%+1.0pp | 32.73%-14.1pp | 17.84%+0.7pp |
| Employer contribution / active EE | $4,640 | $4,596+1.0% | $7,263-36.1% | $2,790+66.3% |
| Participant deferral / active EE | $5,120 | $6,491-21.1% | $9,520-46.2% | $4,249+20.5% |
| Admin fee / account holder | $2,642 | $24,035-89.0% | $25,146-89.5% | $8,951-70.5% |