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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 | $45,514 | $69,977-35.0% | $108,582-58.1% | $62,881-27.6% |
| Participation rate | 75.0% | 72.9%+2.1pp | 79.6%-4.6pp | 69.3%+5.7pp |
| Annual return | 5.62% | 10.73%-5.1pp | -51.70%+57.3pp | 20.14%-14.5pp |
| Employer contribution / active EE | $711 | $2,135-66.7% | $3,758-81.1% | $2,281-68.8% |
| Participant deferral / active EE | $5,973 | $3,165+88.8% | $4,311+38.6% | $3,203+86.5% |
| Admin fee / account holder | $5,381 | $5,076+6.0% | $7,645-29.6% | $4,296+25.3% |