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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 | $59,060 | $67,606-12.6% | $82,313-28.2% | $70,124-15.8% |
| Participation rate | 76.0% | 72.8%+3.2pp | 76.9%-0.9pp | 69.5%+6.5pp |
| Annual return | 15.37% | 21.57%-6.2pp | 25.88%-10.5pp | 73.14%-57.8pp |
| Employer contribution / active EE | $1,114 | $1,755-36.5% | $2,428-54.1% | $2,342-52.4% |
| Participant deferral / active EE | $2,934 | $2,987-1.8% | $3,706-20.8% | $3,332-12.0% |
| Admin fee / account holder | $2,033 | $4,512-55.0% | $5,608-63.8% | $4,645-56.2% |