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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 | $51,079 | $86,938-41.2% | $102,423-50.1% | $80,925-36.9% |
| Participation rate | 75.9% | 72.4%+3.5pp | 76.5%-0.6pp | 67.7%+8.2pp |
| Annual return | 13.16% | 18.89%-5.7pp | 29.42%-16.3pp | 35.65%-22.5pp |
| Employer contribution / active EE | $1,871 | $2,369-21.0% | $3,023-38.1% | $2,756-32.1% |
| Participant deferral / active EE | $4,213 | $4,120+2.3% | $5,054-16.6% | $4,299-2.0% |
| Admin fee / account holder | $8,754 | $8,053+8.7% | $9,455-7.4% | $6,940+26.1% |