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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 | $57,682 | $81,276-29.0% | $155,574-62.9% | $80,925-28.7% |
| Participation rate | 87.1% | 66.2%+20.8pp | 78.2%+8.9pp | 67.7%+19.4pp |
| Annual return | 17.59% | 33.36%-15.8pp | 64.87%-47.3pp | 35.65%-18.1pp |
| Employer contribution / active EE | $3,820 | $3,103+23.1% | $4,676-18.3% | $2,756+38.6% |
| Participant deferral / active EE | $6,910 | $3,453+100.1% | $5,629+22.8% | $4,299+60.7% |
| Admin fee / account holder | $1,574 | $7,993-80.3% | $15,914-90.1% | $6,940-77.3% |