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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 | $61,682 | $52,306+17.9% | $69,779-11.6% | $62,881-1.9% |
| Participation rate | 70.0% | 67.2%+2.8pp | 71.8%-1.8pp | 69.3%+0.7pp |
| Annual return | 5.88% | 13.35%-7.5pp | 12.99%-7.1pp | 20.14%-14.3pp |
| Employer contribution / active EE | $1,440 | $1,799-20.0% | $2,338-38.4% | $2,281-36.9% |
| Participant deferral / active EE | $4,634 | $2,395+93.5% | $2,931+58.1% | $3,203+44.7% |
| Admin fee / account holder | $9,030 | $3,691+144.6% | $4,381+106.1% | $4,296+110.2% |