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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 | $81,457-6.1% | $103,378-26.0% | $80,911-5.5% |
| Participation rate | 70.4% | 66.8%+3.5pp | 74.5%-4.1pp | 67.6%+2.7pp |
| Annual return | 14.72% | 25.58%-10.9pp | 24.91%-10.2pp | 35.63%-20.9pp |
| Employer contribution / active EE | $1,652 | $3,107-46.8% | $3,870-57.3% | $2,756-40.1% |
| Participant deferral / active EE | $5,004 | $3,871+29.3% | $5,058-1.1% | $4,297+16.5% |
| Admin fee / account holder | $2,333 | $6,717-65.3% | $8,401-72.2% | $6,935-66.4% |