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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 | $59,863 | $84,953-29.5% | $163,379-63.4% | $82,637-27.6% |
| Participation rate | 85.9% | 65.9%+20.0pp | 76.8%+9.1pp | 68.1%+17.9pp |
| Annual return | 14.70% | 23.07%-8.4pp | 63.41%-48.7pp | 53.51%-38.8pp |
| Employer contribution / active EE | $1,759 | $2,183-19.4% | $3,752-53.1% | $2,552-31.1% |
| Participant deferral / active EE | $3,835 | $4,326-11.4% | $6,282-39.0% | $4,126-7.1% |
| Admin fee / account holder | $7,599 | $7,921-4.1% | $9,818-22.6% | $7,339+3.5% |