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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 | $89,812 | $138,393-35.1% | $184,256-51.3% | $80,959+10.9% |
| Participation rate | 87.9% | 83.9%+4.0pp | 86.8%+1.1pp | 67.7%+20.2pp |
| Annual return | 11.22% | 20.01%-8.8pp | 28.85%-17.6pp | 35.67%-24.4pp |
| Employer contribution / active EE | $1,728 | $4,847-64.4% | $6,427-73.1% | $2,757-37.3% |
| Participant deferral / active EE | $5,611 | $7,076-20.7% | $9,133-38.6% | $4,300+30.5% |
| Admin fee / account holder | $12,319 | $10,489+17.4% | $13,899-11.4% | $6,925+77.9% |