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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 | $86,919-44.1% | $102,457-52.6% | $80,911-40.0% |
| Participation rate | 82.1% | 72.4%+9.8pp | 76.5%+5.6pp | 67.6%+14.5pp |
| Annual return | 12.90% | 18.90%-6.0pp | 29.41%-16.5pp | 35.63%-22.7pp |
| Employer contribution / active EE | $1,728 | $2,368-27.0% | $3,022-42.8% | $2,756-37.3% |
| Participant deferral / active EE | $4,052 | $4,119-1.6% | $5,054-19.8% | $4,297-5.7% |
| Admin fee / account holder | $990 | $8,049-87.7% | $9,451-89.5% | $6,935-85.7% |