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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 | $48,518 | $99,345-51.2% | $84,753-42.8% | $273,972-82.3% |
| Participation rate | 92.3% | 80.7%+11.6pp | 76.6%+15.7pp | 83.0%+9.3pp |
| Annual return | 6.23% | 22.93%-16.7pp | 22.78%-16.6pp | 41.46%-35.2pp |
| Employer contribution / active EE | $2,217 | $4,214-47.4% | $3,574-38.0% | $4,869-54.5% |
| Participant deferral / active EE | $5,697 | $4,270+33.4% | $3,712+53.5% | $5,287+7.7% |
| Admin fee / account holder | $714 | $6,645-89.3% | $5,333-86.6% | $10,133-93.0% |