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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 | $45,758 | $60,349-24.2% | $74,184-38.3% | $62,881-27.2% |
| Participation rate | 78.7% | 72.7%+6.0pp | 76.6%+2.1pp | 69.3%+9.4pp |
| Annual return | 11.95% | 21.38%-9.4pp | 17.74%-5.8pp | 20.14%-8.2pp |
| Employer contribution / active EE | $3,843 | $1,680+128.7% | $2,370+62.1% | $2,281+68.5% |
| Participant deferral / active EE | $6,514 | $2,856+128.1% | $3,550+83.5% | $3,203+103.4% |
| Admin fee / account holder | $1,248 | $4,261-70.7% | $5,586-77.6% | $4,296-70.9% |