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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 | $50,709 | $62,583-19.0% | $76,767-33.9% | $64,173-21.0% |
| Participation rate | 94.4% | 72.8%+21.6pp | 77.0%+17.5pp | 69.6%+24.9pp |
| Annual return | 7.88% | -1.95%+9.8pp | 2.43%+5.4pp | 7.63%+0.2pp |
| Employer contribution / active EE | $1,974 | $1,832+7.8% | $2,485-20.6% | $2,381-17.1% |
| Participant deferral / active EE | $3,474 | $3,145+10.5% | $3,852-9.8% | $3,470+0.1% |
| Admin fee / account holder | $5,166 | $4,667+10.7% | $6,675-22.6% | $4,887+5.7% |