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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 | $51,059 | $60,349-15.4% | $74,184-31.2% | $62,881-18.8% |
| Participation rate | 93.2% | 72.7%+20.5pp | 76.6%+16.6pp | 69.3%+23.9pp |
| Annual return | 7.57% | 21.38%-13.8pp | 17.74%-10.2pp | 20.14%-12.6pp |
| Employer contribution / active EE | $1,207 | $1,680-28.2% | $2,370-49.1% | $2,281-47.1% |
| Participant deferral / active EE | $4,846 | $2,856+69.7% | $3,550+36.5% | $3,203+51.3% |
| Admin fee / account holder | $6,420 | $4,261+50.7% | $5,586+14.9% | $4,296+49.4% |