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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 | $60,384 | $88,707-31.9% | $74,184-18.6% | $273,972-78.0% |
| Participation rate | 85.0% | 79.4%+5.6pp | 76.6%+8.4pp | 83.0%+2.0pp |
| Annual return | 3.78% | 11.94%-8.2pp | 17.74%-14.0pp | 41.46%-37.7pp |
| Employer contribution / active EE | $2,709 | $3,159-14.2% | $2,370+14.3% | $4,869-44.4% |
| Participant deferral / active EE | $3,878 | $4,212-7.9% | $3,550+9.2% | $5,287-26.7% |
| Admin fee / account holder | $1,859 | $8,717-78.7% | $5,586-66.7% | $10,133-81.7% |