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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 | $58,081 | $56,894+2.1% | $84,753-31.5% | $62,881-7.6% |
| Participation rate | 80.4% | 68.5%+11.9pp | 76.6%+3.8pp | 69.3%+11.1pp |
| Annual return | 6.42% | 6.30%+0.1pp | 22.78%-16.4pp | 20.14%-13.7pp |
| Employer contribution / active EE | $1,278 | $2,400-46.8% | $3,574-64.3% | $2,281-44.0% |
| Participant deferral / active EE | $2,589 | $2,709-4.5% | $3,712-30.3% | $3,203-19.2% |
| Admin fee / account holder | $2,151 | $3,581-39.9% | $5,333-59.7% | $4,296-49.9% |