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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 | $46,073 | $81,504-43.5% | $102,437-55.0% | $80,959-43.1% |
| Participation rate | 75.9% | 66.9%+9.0pp | 74.5%+1.4pp | 67.7%+8.2pp |
| Annual return | 16.52% | 25.60%-9.1pp | 24.95%-8.4pp | 35.67%-19.1pp |
| Employer contribution / active EE | $1,847 | $3,104-40.5% | $3,871-52.3% | $2,757-33.0% |
| Participant deferral / active EE | $5,924 | $3,871+53.1% | $5,060+17.1% | $4,300+37.8% |
| Admin fee / account holder | $5,458 | $6,719-18.8% | $8,388-34.9% | $6,925-21.2% |