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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 | $71,748 | $60,349+18.9% | $74,184-3.3% | $62,881+14.1% |
| Participation rate | 72.5% | 72.7%-0.2pp | 76.6%-4.1pp | 69.3%+3.2pp |
| Annual return | 7.27% | 21.38%-14.1pp | 17.74%-10.5pp | 20.14%-12.9pp |
| Employer contribution / active EE | $1,548 | $1,680-7.9% | $2,370-34.7% | $2,281-32.1% |
| Participant deferral / active EE | $2,966 | $2,856+3.8% | $3,550-16.4% | $3,203-7.4% |
| Admin fee / account holder | $1,228 | $4,261-71.2% | $5,586-78.0% | $4,296-71.4% |