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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 | $67,732 | $52,306+29.5% | $69,779-2.9% | $62,881+7.7% |
| Participation rate | 93.5% | 67.2%+26.3pp | 71.8%+21.7pp | 69.3%+24.2pp |
| Annual return | 7.85% | 13.35%-5.5pp | 12.99%-5.1pp | 20.14%-12.3pp |
| Employer contribution / active EE | $955 | $1,799-46.9% | $2,338-59.2% | $2,281-58.1% |
| Participant deferral / active EE | $2,537 | $2,395+5.9% | $2,931-13.4% | $3,203-20.8% |
| Admin fee / account holder | $756 | $3,691-79.5% | $4,381-82.7% | $4,296-82.4% |