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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 | $81,331-2.6% | $155,534-49.1% | $80,935-2.1% |
| Participation rate | 79.1% | 66.3%+12.8pp | 78.2%+0.9pp | 67.7%+11.4pp |
| Annual return | 14.83% | 33.37%-18.5pp | 64.92%-50.1pp | 35.66%-20.8pp |
| Employer contribution / active EE | $1,229 | $3,105-60.4% | $4,675-73.7% | $2,757-55.4% |
| Participant deferral / active EE | $1,903 | $3,454-44.9% | $5,630-66.2% | $4,299-55.7% |
| Admin fee / account holder | $3,108 | $7,999-61.1% | $15,900-80.5% | $6,924-55.1% |