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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 | $76,497 | $81,504-6.1% | $102,437-25.3% | $80,959-5.5% |
| Participation rate | 70.4% | 66.9%+3.5pp | 74.5%-4.1pp | 67.7%+2.7pp |
| Annual return | 14.72% | 25.60%-10.9pp | 24.95%-10.2pp | 35.67%-21.0pp |
| Employer contribution / active EE | $1,652 | $3,104-46.8% | $3,871-57.3% | $2,757-40.1% |
| Participant deferral / active EE | $5,004 | $3,871+29.3% | $5,060-1.1% | $4,300+16.4% |
| Admin fee / account holder | $2,333 | $6,719-65.3% | $8,388-72.2% | $6,925-66.3% |