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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 | $52,120 | $55,684-6.4% | $75,900-31.3% | $72,976-28.6% |
| Participation rate | 80.0% | 61.1%+18.9pp | 69.3%+10.7pp | 69.5%+10.5pp |
| Annual return | 25.04% | 27.60%-2.6pp | 30.73%-5.7pp | 81.02%-56.0pp |
| Employer contribution / active EE | $1,040 | $1,687-38.3% | $2,501-58.4% | $2,440-57.4% |
| Participant deferral / active EE | $2,898 | $2,634+10.0% | $3,604-19.6% | $3,608-19.7% |
| Admin fee / account holder | $1,614 | $3,981-59.5% | $5,421-70.2% | $5,124-68.5% |