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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 | $48,582 | $86,949-44.1% | $102,460-52.6% | $80,959-40.0% |
| Participation rate | 82.1% | 72.4%+9.8pp | 76.5%+5.6pp | 67.7%+14.5pp |
| Annual return | 12.90% | 18.89%-6.0pp | 29.47%-16.6pp | 35.67%-22.8pp |
| Employer contribution / active EE | $1,728 | $2,370-27.1% | $3,025-42.9% | $2,757-37.3% |
| Participant deferral / active EE | $4,052 | $4,121-1.7% | $5,056-19.9% | $4,300-5.8% |
| Admin fee / account holder | $990 | $8,048-87.7% | $9,460-89.5% | $6,925-85.7% |