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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 | $56,253 | $101,798-44.7% | $165,071-65.9% | $80,935-30.5% |
| Participation rate | 77.0% | 71.8%+5.2pp | 78.6%-1.6pp | 67.7%+9.4pp |
| Annual return | 15.44% | 16.73%-1.3pp | 70.17%-54.7pp | 35.66%-20.2pp |
| Employer contribution / active EE | $3,137 | $2,954+6.2% | $4,347-27.8% | $2,757+13.8% |
| Participant deferral / active EE | $4,483 | $4,476+0.2% | $6,035-25.7% | $4,299+4.3% |
| Admin fee / account holder | $1,911 | $8,221-76.8% | $12,695-84.9% | $6,924-72.4% |