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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 | $63,484 | $99,345-36.1% | $84,753-25.1% | $273,972-76.8% |
| Participation rate | 94.4% | 80.7%+13.7pp | 76.6%+17.9pp | 83.0%+11.4pp |
| Annual return | 5.06% | 22.93%-17.9pp | 22.78%-17.7pp | 41.46%-36.4pp |
| Employer contribution / active EE | $1,128 | $4,214-73.2% | $3,574-68.4% | $4,869-76.8% |
| Participant deferral / active EE | $3,819 | $4,270-10.6% | $3,712+2.9% | $5,287-27.8% |
| Admin fee / account holder | $1,085 | $6,645-83.7% | $5,333-79.6% | $10,133-89.3% |