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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 | $63,776 | $56,544+12.8% | $75,501-15.5% | $70,126-9.1% |
| Participation rate | 70.6% | 68.1%+2.5pp | 72.4%-1.8pp | 69.5%+1.0pp |
| Annual return | 18.92% | 23.59%-4.7pp | 27.35%-8.4pp | 73.15%-54.2pp |
| Employer contribution / active EE | $923 | $1,817-49.2% | $2,352-60.7% | $2,343-60.6% |
| Participant deferral / active EE | $2,981 | $2,580+15.6% | $3,142-5.1% | $3,332-10.5% |
| Admin fee / account holder | $5,946 | $3,827+55.4% | $5,801+2.5% | $4,645+28.0% |