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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 | $70,532 | $81,504-13.5% | $102,437-31.1% | $80,959-12.9% |
| Participation rate | 85.7% | 66.9%+18.9pp | 74.5%+11.2pp | 67.7%+18.0pp |
| Annual return | 23.20% | 25.60%-2.4pp | 24.95%-1.8pp | 35.67%-12.5pp |
| Employer contribution / active EE | $1,470 | $3,104-52.6% | $3,871-62.0% | $2,757-46.7% |
| Participant deferral / active EE | $2,702 | $3,871-30.2% | $5,060-46.6% | $4,300-37.2% |
| Admin fee / account holder | $15,382 | $6,719+128.9% | $8,388+83.4% | $6,925+122.1% |