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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 | $54,409 | $67,602-19.5% | $82,312-33.9% | $70,126-22.4% |
| Participation rate | 85.0% | 72.8%+12.2pp | 76.9%+8.1pp | 69.5%+15.5pp |
| Annual return | 14.66% | 21.57%-6.9pp | 25.88%-11.2pp | 73.15%-58.5pp |
| Employer contribution / active EE | $1,179 | $1,755-32.8% | $2,428-51.5% | $2,343-49.7% |
| Participant deferral / active EE | $2,808 | $2,987-6.0% | $3,706-24.2% | $3,332-15.7% |
| Admin fee / account holder | $660 | $4,512-85.4% | $5,608-88.2% | $4,645-85.8% |