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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 | $47,049 | $69,977-32.8% | $108,582-56.7% | $62,881-25.2% |
| Participation rate | 96.8% | 72.9%+23.9pp | 79.6%+17.2pp | 69.3%+27.5pp |
| Annual return | 8.52% | 10.73%-2.2pp | -51.70%+60.2pp | 20.14%-11.6pp |
| Employer contribution / active EE | $1,946 | $2,135-8.8% | $3,758-48.2% | $2,281-14.7% |
| Participant deferral / active EE | $3,093 | $3,165-2.3% | $4,311-28.3% | $3,203-3.4% |
| Admin fee / account holder | $7,950 | $5,076+56.6% | $7,645+4.0% | $4,296+85.1% |