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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 | $58,785 | $67,602-13.0% | $82,312-28.6% | $70,126-16.2% |
| Participation rate | 72.7% | 72.8%0pp | 76.9%-4.2pp | 69.5%+3.2pp |
| Annual return | 16.12% | 21.57%-5.4pp | 25.88%-9.8pp | 73.15%-57.0pp |
| Employer contribution / active EE | $1,431 | $1,755-18.5% | $2,428-41.1% | $2,343-38.9% |
| Participant deferral / active EE | $3,444 | $2,987+15.3% | $3,706-7.1% | $3,332+3.4% |
| Admin fee / account holder | $617 | $4,512-86.3% | $5,608-89.0% | $4,645-86.7% |