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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 | $56,696 | $81,276-30.2% | $155,574-63.6% | $80,925-29.9% |
| Participation rate | 91.2% | 66.2%+24.9pp | 78.2%+13.0pp | 67.7%+23.5pp |
| Annual return | 12.48% | 33.36%-20.9pp | 64.87%-52.4pp | 35.65%-23.2pp |
| Employer contribution / active EE | $1,614 | $3,103-48.0% | $4,676-65.5% | $2,756-41.4% |
| Participant deferral / active EE | $3,097 | $3,453-10.3% | $5,629-45.0% | $4,299-27.9% |
| Admin fee / account holder | $894 | $7,993-88.8% | $15,914-94.4% | $6,940-87.1% |