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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 | $64,065 | $60,349+6.2% | $74,184-13.6% | $62,881+1.9% |
| Participation rate | 87.5% | 72.7%+14.8pp | 76.6%+10.9pp | 69.3%+18.2pp |
| Annual return | 7.73% | 21.38%-13.6pp | 17.74%-10.0pp | 20.14%-12.4pp |
| Employer contribution / active EE | $1,158 | $1,680-31.1% | $2,370-51.2% | $2,281-49.2% |
| Participant deferral / active EE | $2,276 | $2,856-20.3% | $3,550-35.9% | $3,203-28.9% |
| Admin fee / account holder | $1,483 | $4,261-65.2% | $5,586-73.4% | $4,296-65.5% |