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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 | $57,944 | $81,504-28.9% | $102,437-43.4% | $80,959-28.4% |
| Participation rate | 75.8% | 66.9%+8.9pp | 74.5%+1.2pp | 67.7%+8.1pp |
| Annual return | 11.62% | 25.60%-14.0pp | 24.95%-13.3pp | 35.67%-24.0pp |
| Employer contribution / active EE | $2,524 | $3,104-18.7% | $3,871-34.8% | $2,757-8.5% |
| Participant deferral / active EE | $6,174 | $3,871+59.5% | $5,060+22.0% | $4,300+43.6% |
| Admin fee / account holder | $1,468 | $6,719-78.2% | $8,388-82.5% | $6,925-78.8% |