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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 | $57,233 | $60,349-5.2% | $74,184-22.8% | $62,881-9.0% |
| Participation rate | 78.8% | 72.7%+6.1pp | 76.6%+2.2pp | 69.3%+9.5pp |
| Annual return | 10.56% | 21.38%-10.8pp | 17.74%-7.2pp | 20.14%-9.6pp |
| Employer contribution / active EE | $807 | $1,680-52.0% | $2,370-65.9% | $2,281-64.6% |
| Participant deferral / active EE | $5,570 | $2,856+95.0% | $3,550+56.9% | $3,203+73.9% |
| Admin fee / account holder | $1,085 | $4,261-74.5% | $5,586-80.6% | $4,296-74.7% |