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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 | $56,750 | $57,073-0.6% | $85,126-33.3% | $80,925-29.9% |
| Participation rate | 93.0% | 56.4%+36.6pp | 67.5%+25.5pp | 67.7%+25.4pp |
| Annual return | 14.79% | 21.69%-6.9pp | 66.63%-51.8pp | 35.65%-20.9pp |
| Employer contribution / active EE | $1,577 | $1,801-12.4% | $2,731-42.3% | $2,756-42.8% |
| Participant deferral / active EE | $3,459 | $3,113+11.1% | $4,523-23.5% | $4,299-19.5% |
| Admin fee / account holder | $2,138 | $4,988-57.1% | $6,160-65.3% | $6,940-69.2% |