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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 | $64,739 | $72,486-10.7% | $87,103-25.7% | $72,976-11.3% |
| Participation rate | 88.9% | 72.8%+16.1pp | 76.9%+12.0pp | 69.5%+19.4pp |
| Annual return | 21.82% | 24.46%-2.6pp | 28.19%-6.4pp | 81.02%-59.2pp |
| Employer contribution / active EE | $1,259 | $1,894-33.5% | $2,521-50.1% | $2,440-48.4% |
| Participant deferral / active EE | $3,138 | $3,270-4.0% | $4,049-22.5% | $3,608-13.0% |
| Admin fee / account holder | $1,265 | $5,055-75.0% | $7,491-83.1% | $5,124-75.3% |