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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 | $86,922-31.6% | $102,438-41.9% | $80,874-26.4% |
| Participation rate | 86.8% | 72.4%+14.5pp | 76.5%+10.3pp | 67.6%+19.2pp |
| Annual return | 13.61% | 18.90%-5.3pp | 29.37%-15.8pp | 35.62%-22.0pp |
| Employer contribution / active EE | $2,383 | $2,369+0.6% | $3,024-21.2% | $2,756-13.5% |
| Participant deferral / active EE | $5,361 | $4,119+30.2% | $5,054+6.1% | $4,297+24.8% |
| Admin fee / account holder | $4,527 | $8,050-43.8% | $9,448-52.1% | $6,935-34.7% |