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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 | $91,086-34.3% | $203,872-70.6% | $86,983-31.2% |
| Participation rate | 85.9% | 65.8%+20.1pp | 77.8%+8.1pp | 69.5%+16.4pp |
| Annual return | 14.70% | 22.30%-7.6pp | 85.11%-70.4pp | 25.83%-11.1pp |
| Employer contribution / active EE | $1,759 | $2,063-14.8% | $3,757-53.2% | $2,584-32.0% |
| Participant deferral / active EE | $3,835 | $4,019-4.6% | $6,388-40.0% | $4,194-8.6% |
| Admin fee / account holder | $7,599 | $8,987-15.4% | $11,730-35.2% | $7,856-3.3% |