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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 | $55,872 | $80,983-31.0% | $96,544-42.1% | $75,177-25.7% |
| Participation rate | 72.4% | 71.8%+0.6pp | 76.0%-3.6pp | 67.2%+5.2pp |
| Annual return | 15.59% | 27.05%-11.5pp | 25.88%-10.3pp | 160.75%-145.2pp |
| Employer contribution / active EE | $1,612 | $2,282-29.4% | $2,966-45.6% | $2,671-39.6% |
| Participant deferral / active EE | $3,169 | $3,929-19.3% | $4,851-34.7% | $4,126-23.2% |
| Admin fee / account holder | $24,088 | $6,717+258.6% | $8,254+191.8% | $5,651+326.2% |