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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 | $60,780 | $88,707-31.5% | $74,184-18.1% | $273,972-77.8% |
| Participation rate | 87.5% | 79.4%+8.1pp | 76.6%+10.9pp | 83.0%+4.5pp |
| Annual return | 7.44% | 11.94%-4.5pp | 17.74%-10.3pp | 41.46%-34.0pp |
| Employer contribution / active EE | $1,443 | $3,159-54.3% | $2,370-39.1% | $4,869-70.4% |
| Participant deferral / active EE | $4,356 | $4,212+3.4% | $3,550+22.7% | $5,287-17.6% |
| Admin fee / account holder | $546 | $8,717-93.7% | $5,586-90.2% | $10,133-94.6% |