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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 | $81,358-30.3% | $155,556-63.6% | $80,959-30.0% |
| Participation rate | 91.2% | 66.3%+24.9pp | 78.2%+13.0pp | 67.7%+23.5pp |
| Annual return | 12.48% | 33.39%-20.9pp | 64.84%-52.4pp | 35.67%-23.2pp |
| Employer contribution / active EE | $1,614 | $3,106-48.0% | $4,675-65.5% | $2,757-41.5% |
| Participant deferral / active EE | $3,097 | $3,455-10.4% | $5,631-45.0% | $4,300-28.0% |
| Admin fee / account holder | $894 | $7,994-88.8% | $15,885-94.4% | $6,925-87.1% |