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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 | $57,222 | $52,306+9.4% | $69,779-18.0% | $62,881-9.0% |
| Participation rate | 71.4% | 67.2%+4.2pp | 71.8%-0.4pp | 69.3%+2.1pp |
| Annual return | 7.54% | 13.35%-5.8pp | 12.99%-5.4pp | 20.14%-12.6pp |
| Employer contribution / active EE | $943 | $1,799-47.6% | $2,338-59.7% | $2,281-58.6% |
| Participant deferral / active EE | $2,612 | $2,395+9.1% | $2,931-10.9% | $3,203-18.4% |
| Admin fee / account holder | $3,569 | $3,691-3.3% | $4,381-18.5% | $4,296-16.9% |