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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 | $71,247 | $76,371-6.7% | $93,621-23.9% | $72,976-2.4% |
| Participation rate | 84.3% | 71.8%+12.6pp | 75.8%+8.5pp | 69.5%+14.8pp |
| Annual return | 17.44% | 25.82%-8.4pp | 32.76%-15.3pp | 81.02%-63.6pp |
| Employer contribution / active EE | $2,276 | $2,2760% | $2,719-16.3% | $2,440-6.7% |
| Participant deferral / active EE | $2,559 | $3,538-27.7% | $4,070-37.1% | $3,608-29.1% |
| Admin fee / account holder | $5,218 | $6,839-23.7% | $7,890-33.9% | $5,124+1.8% |