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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 | $53,791 | $49,280+9.2% | $67,313-20.1% | $64,173-16.2% |
| Participation rate | 86.0% | 60.8%+25.2pp | 69.1%+16.9pp | 69.6%+16.4pp |
| Annual return | 12.90% | -1.39%+14.3pp | -4.08%+17.0pp | 7.63%+5.3pp |
| Employer contribution / active EE | $1,174 | $1,668-29.6% | $2,566-54.2% | $2,381-50.7% |
| Participant deferral / active EE | $3,757 | $2,484+51.2% | $3,568+5.3% | $3,470+8.3% |
| Admin fee / account holder | $3,556 | $3,863-7.9% | $4,507-21.1% | $4,887-27.2% |