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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 | $59,905 | $109,620-45.4% | $148,496-59.7% | $94,015-36.3% |
| Participation rate | 80.8% | 71.3%+9.5pp | 76.0%+4.7pp | 70.8%+9.9pp |
| Annual return | 13.43% | 17.54%-4.1pp | 12.33%+1.1pp | 17.84%-4.4pp |
| Employer contribution / active EE | $2,397 | $2,618-8.4% | $3,497-31.5% | $2,790-14.1% |
| Participant deferral / active EE | $5,245 | $3,831+36.9% | $4,808+9.1% | $4,249+23.4% |
| Admin fee / account holder | $974 | $10,050-90.3% | $19,547-95.0% | $8,951-89.1% |