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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 | $68,442 | $86,919-21.3% | $102,457-33.2% | $80,911-15.4% |
| Participation rate | 82.8% | 72.4%+10.4pp | 76.5%+6.3pp | 67.6%+15.1pp |
| Annual return | 14.08% | 18.90%-4.8pp | 29.41%-15.3pp | 35.63%-21.6pp |
| Employer contribution / active EE | $1,095 | $2,368-53.8% | $3,022-63.8% | $2,756-60.3% |
| Participant deferral / active EE | $5,064 | $4,119+22.9% | $5,054+0.2% | $4,297+17.9% |
| Admin fee / account holder | $4,588 | $8,049-43.0% | $9,451-51.5% | $6,935-33.8% |