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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 | $52,512 | $73,787-28.8% | $98,716-46.8% | $82,448-36.3% |
| Participation rate | 85.5% | 61.4%+24.0pp | 69.3%+16.2pp | 68.1%+17.4pp |
| Annual return | 15.05% | 18.57%-3.5pp | 31.81%-16.8pp | 41.64%-26.6pp |
| Employer contribution / active EE | $2,130 | $1,511+41.0% | $2,279-6.5% | $2,551-16.5% |
| Participant deferral / active EE | $3,781 | $3,081+22.7% | $4,048-6.6% | $4,139-8.6% |
| Admin fee / account holder | $1,171 | $6,500-82.0% | $8,703-86.5% | $7,234-83.8% |