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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 | $97,550-42.1% | $120,344-53.0% | $87,485-35.4% |
| Participation rate | 83.8% | 72.8%+11.0pp | 76.7%+7.1pp | 68.9%+14.9pp |
| Annual return | 13.88% | 18.41%-4.5pp | 20.30%-6.4pp | 26.06%-12.2pp |
| Employer contribution / active EE | $1,920 | $2,291-16.2% | $3,020-36.4% | $2,596-26.1% |
| Participant deferral / active EE | $5,845 | $4,230+38.2% | $5,135+13.8% | $4,274+36.8% |
| Admin fee / account holder | $2,865 | $9,543-70.0% | $12,742-77.5% | $7,775-63.1% |