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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 | $49,803 | $61,660-19.2% | $80,022-37.8% | $64,181-22.4% |
| Participation rate | 92.3% | 71.7%+20.6pp | 75.8%+16.5pp | 69.6%+22.7pp |
| Annual return | 7.96% | -0.33%+8.3pp | 11.22%-3.3pp | 7.63%+0.3pp |
| Employer contribution / active EE | $1,997 | $1,810+10.3% | $2,468-19.1% | $2,381-16.1% |
| Participant deferral / active EE | $3,463 | $2,968+16.7% | $3,686-6.1% | $3,470-0.2% |
| Admin fee / account holder | $5,145 | $5,417-5.0% | $6,521-21.1% | $4,887+5.3% |