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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 | $86,977 | $153,311-43.3% | $109,313-20.4% | $273,972-68.3% |
| Participation rate | 95.2% | 80.1%+15.2pp | 71.3%+24.0pp | 83.0%+12.2pp |
| Annual return | 7.58% | 29.86%-22.3pp | 22.07%-14.5pp | 41.46%-33.9pp |
| Employer contribution / active EE | $2,277 | $5,619-59.5% | $3,892-41.5% | $4,869-53.2% |
| Participant deferral / active EE | $5,480 | $3,932+39.4% | $3,166+73.1% | $5,287+3.7% |
| Admin fee / account holder | $1,784 | $8,076-77.9% | $5,666-68.5% | $10,133-82.4% |