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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 | $30,651 | $58,627-47.7% | $76,735-60.1% | $82,448-62.8% |
| Participation rate | 89.8% | 63.2%+26.6pp | 69.5%+20.3pp | 68.1%+21.7pp |
| Annual return | 14.31% | 39.10%-24.8pp | 29.77%-15.5pp | 41.64%-27.3pp |
| Employer contribution / active EE | $1,599 | $1,729-7.5% | $2,454-34.8% | $2,551-37.3% |
| Participant deferral / active EE | $2,717 | $3,134-13.3% | $4,088-33.5% | $4,139-34.4% |
| Admin fee / account holder | $7,497 | $5,323+40.9% | $7,189+4.3% | $7,234+3.6% |