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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 | $61,372 | $61,660-0.5% | $80,022-23.3% | $64,173-4.4% |
| Participation rate | 76.5% | 71.7%+4.9pp | 75.8%+0.7pp | 69.6%+7.0pp |
| Annual return | 8.60% | -0.33%+8.9pp | 11.22%-2.6pp | 7.63%+1.0pp |
| Employer contribution / active EE | $0 | $1,810-100.0% | $2,468-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,326 | $2,968-21.6% | $3,686-36.9% | $3,470-32.9% |
| Admin fee / account holder | $6,048 | $5,417+11.7% | $6,521-7.3% | $4,887+23.8% |