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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 | $56,503 | $95,453-40.8% | $112,040-49.6% | $82,448-31.5% |
| Participation rate | 83.8% | 72.8%+11.0pp | 76.5%+7.3pp | 68.1%+15.7pp |
| Annual return | 13.88% | 23.92%-10.0pp | 24.52%-10.6pp | 41.64%-27.8pp |
| Employer contribution / active EE | $1,920 | $2,318-17.2% | $2,954-35.0% | $2,551-24.8% |
| Participant deferral / active EE | $5,845 | $4,224+38.4% | $5,098+14.7% | $4,139+41.2% |
| Admin fee / account holder | $2,865 | $9,013-68.2% | $12,098-76.3% | $7,234-60.4% |