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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 | $57,126 | $72,607-21.3% | $90,259-36.7% | $87,485-34.7% |
| Participation rate | 81.1% | 64.8%+16.3pp | 70.7%+10.3pp | 68.9%+12.1pp |
| Annual return | 12.77% | 18.59%-5.8pp | 18.88%-6.1pp | 26.06%-13.3pp |
| Employer contribution / active EE | $3,051 | $1,919+58.9% | $2,291+33.1% | $2,596+17.5% |
| Participant deferral / active EE | $2,676 | $3,055-12.4% | $3,827-30.1% | $4,274-37.4% |
| Admin fee / account holder | $1,760 | $5,947-70.4% | $7,267-75.8% | $7,775-77.4% |