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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 | $58,393 | $54,541+7.1% | $78,778-25.9% | $70,126-16.7% |
| Participation rate | 72.3% | 60.8%+11.5pp | 69.2%+3.1pp | 69.5%+2.7pp |
| Annual return | 15.91% | 21.07%-5.2pp | 35.62%-19.7pp | 73.15%-57.2pp |
| Employer contribution / active EE | $201 | $1,089-81.6% | $1,986-89.9% | $2,343-91.4% |
| Participant deferral / active EE | $1,767 | $2,210-20.1% | $2,958-40.3% | $3,332-47.0% |
| Admin fee / account holder | $2,319 | $3,709-37.5% | $5,134-54.8% | $4,645-50.1% |