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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 | $54,655 | $101,798-46.3% | $165,071-66.9% | $80,935-32.5% |
| Participation rate | 96.0% | 71.8%+24.2pp | 78.6%+17.4pp | 67.7%+28.3pp |
| Annual return | 14.64% | 16.73%-2.1pp | 70.17%-55.5pp | 35.66%-21.0pp |
| Employer contribution / active EE | $1,903 | $2,954-35.6% | $4,347-56.2% | $2,757-31.0% |
| Participant deferral / active EE | $5,176 | $4,476+15.6% | $6,035-14.2% | $4,299+20.4% |
| Admin fee / account holder | $414 | $8,221-95.0% | $12,695-96.7% | $6,924-94.0% |