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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 | $52,287 | $74,535-29.8% | $100,712-48.1% | $82,637-36.7% |
| Participation rate | 96.6% | 61.2%+35.4pp | 69.3%+27.3pp | 68.1%+28.5pp |
| Annual return | 17.57% | 18.92%-1.4pp | 33.27%-15.7pp | 53.51%-35.9pp |
| Employer contribution / active EE | $1,556 | $1,503+3.6% | $2,313-32.7% | $2,552-39.0% |
| Participant deferral / active EE | $2,630 | $3,074-14.5% | $4,085-35.6% | $4,126-36.3% |
| Admin fee / account holder | $321 | $6,576-95.1% | $9,256-96.5% | $7,339-95.6% |