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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 | $50,504 | $56,894-11.2% | $84,753-40.4% | $62,881-19.7% |
| Participation rate | 86.5% | 68.5%+18.0pp | 76.6%+9.9pp | 69.3%+17.2pp |
| Annual return | 7.67% | 6.30%+1.4pp | 22.78%-15.1pp | 20.14%-12.5pp |
| Employer contribution / active EE | $2,089 | $2,400-12.9% | $3,574-41.5% | $2,281-8.4% |
| Participant deferral / active EE | $3,863 | $2,709+42.6% | $3,712+4.1% | $3,203+20.6% |
| Admin fee / account holder | $706 | $3,581-80.3% | $5,333-86.8% | $4,296-83.6% |