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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 | $56,032 | $106,588-47.4% | $94,215-40.5% | $155,188-63.9% |
| Participation rate | 95.2% | 74.3%+21.0pp | 70.0%+25.3pp | 80.8%+14.4pp |
| Annual return | 5.08% | 29.39%-24.3pp | 28.22%-23.1pp | 148.84%-143.8pp |
| Employer contribution / active EE | $3,183 | $3,080+3.4% | $2,675+19.0% | $4,248-25.1% |
| Participant deferral / active EE | $1,887 | $4,802-60.7% | $4,276-55.9% | $6,531-71.1% |
| Admin fee / account holder | $4,563 | $12,281-62.8% | $10,216-55.3% | $14,480-68.5% |