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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 | $79,239 | $81,276-2.5% | $155,574-49.1% | $80,925-2.1% |
| Participation rate | 79.1% | 66.2%+12.8pp | 78.2%+0.9pp | 67.7%+11.4pp |
| Annual return | 14.83% | 33.36%-18.5pp | 64.87%-50.0pp | 35.65%-20.8pp |
| Employer contribution / active EE | $1,229 | $3,103-60.4% | $4,676-73.7% | $2,756-55.4% |
| Participant deferral / active EE | $1,903 | $3,453-44.9% | $5,629-66.2% | $4,299-55.7% |
| Admin fee / account holder | $3,108 | $7,993-61.1% | $15,914-80.5% | $6,940-55.2% |