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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 | $48,434 | $60,349-19.7% | $74,184-34.7% | $62,881-23.0% |
| Participation rate | 74.5% | 72.7%+1.7pp | 76.6%-2.2pp | 69.3%+5.2pp |
| Annual return | 6.51% | 21.38%-14.9pp | 17.74%-11.2pp | 20.14%-13.6pp |
| Employer contribution / active EE | $1,548 | $1,680-7.9% | $2,370-34.7% | $2,281-32.1% |
| Participant deferral / active EE | $2,086 | $2,856-27.0% | $3,550-41.2% | $3,203-34.9% |
| Admin fee / account holder | $4,586 | $4,261+7.6% | $5,586-17.9% | $4,296+6.8% |