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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 | $67,679 | $62,592+8.1% | $85,709-21.0% | $85,847-21.2% |
| Participation rate | 97.3% | 61.1%+36.2pp | 69.9%+27.4pp | 69.3%+28.0pp |
| Annual return | 12.34% | 23.77%-11.4pp | 21.49%-9.1pp | 318.61%-306.3pp |
| Employer contribution / active EE | $1,073 | $1,755-38.9% | $2,619-59.0% | $2,565-58.2% |
| Participant deferral / active EE | $4,734 | $2,802+68.9% | $3,924+20.7% | $3,952+19.8% |
| Admin fee / account holder | $3,488 | $4,643-24.9% | $6,876-49.3% | $6,261-44.3% |