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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 | $51,431 | $67,602-23.9% | $82,312-37.5% | $70,126-26.7% |
| Participation rate | 72.7% | 72.8%0pp | 76.9%-4.2pp | 69.5%+3.2pp |
| Annual return | 24.36% | 21.57%+2.8pp | 25.88%-1.5pp | 73.15%-48.8pp |
| Employer contribution / active EE | $1,394 | $1,755-20.6% | $2,428-42.6% | $2,343-40.5% |
| Participant deferral / active EE | $2,393 | $2,987-19.9% | $3,706-35.4% | $3,332-28.2% |
| Admin fee / account holder | $4,305 | $4,512-4.6% | $5,608-23.2% | $4,645-7.3% |