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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 | $69,003 | $87,834-21.4% | $133,975-48.5% | $62,881+9.7% |
| Participation rate | 78.0% | 83.4%-5.3pp | 87.1%-9.0pp | 69.3%+8.7pp |
| Annual return | 9.30% | 12.05%-2.8pp | 29.29%-20.0pp | 20.14%-10.8pp |
| Employer contribution / active EE | $2,227 | $3,482-36.0% | $5,211-57.3% | $2,281-2.3% |
| Participant deferral / active EE | $4,758 | $4,812-1.1% | $6,282-24.3% | $3,203+48.5% |
| Admin fee / account holder | $5,246 | $5,372-2.4% | $9,324-43.7% | $4,296+22.1% |