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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 | $138,385-35.1% | $184,243-51.3% | $80,925+11.0% |
| Participation rate | 87.9% | 83.9%+4.0pp | 86.8%+1.1pp | 67.7%+20.2pp |
| Annual return | 11.22% | 20.02%-8.8pp | 28.82%-17.6pp | 35.65%-24.4pp |
| Employer contribution / active EE | $1,728 | $4,851-64.4% | $6,427-73.1% | $2,756-37.3% |
| Participant deferral / active EE | $5,611 | $7,075-20.7% | $9,132-38.6% | $4,299+30.5% |
| Admin fee / account holder | $12,319 | $10,489+17.4% | $13,914-11.5% | $6,940+77.5% |