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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 | $59,496 | $86,949-31.6% | $102,460-41.9% | $80,959-26.5% |
| Participation rate | 86.8% | 72.4%+14.5pp | 76.5%+10.3pp | 67.7%+19.2pp |
| Annual return | 13.61% | 18.89%-5.3pp | 29.47%-15.9pp | 35.67%-22.1pp |
| Employer contribution / active EE | $2,383 | $2,370+0.6% | $3,025-21.2% | $2,757-13.6% |
| Participant deferral / active EE | $5,361 | $4,121+30.1% | $5,056+6.0% | $4,300+24.7% |
| Admin fee / account holder | $4,527 | $8,048-43.8% | $9,460-52.2% | $6,925-34.6% |