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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 | $69,330 | $86,940-20.3% | $102,434-32.3% | $80,935-14.3% |
| Participation rate | 78.6% | 72.4%+6.2pp | 76.5%+2.1pp | 67.7%+10.9pp |
| Annual return | 11.22% | 18.89%-7.7pp | 29.46%-18.2pp | 35.66%-24.4pp |
| Employer contribution / active EE | $1,847 | $2,370-22.0% | $3,023-38.9% | $2,757-33.0% |
| Participant deferral / active EE | $4,348 | $4,121+5.5% | $5,055-14.0% | $4,299+1.1% |
| Admin fee / account holder | $759 | $8,047-90.6% | $9,462-92.0% | $6,924-89.0% |