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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 | $51,737 | $59,804-13.5% | $81,982-36.9% | $79,856-35.2% |
| Participation rate | 81.5% | 61.6%+19.8pp | 69.3%+12.2pp | 69.6%+11.8pp |
| Annual return | 12.04% | 17.56%-5.5pp | 41.31%-29.3pp | 31.71%-19.7pp |
| Employer contribution / active EE | $1,024 | $1,713-40.3% | $2,498-59.0% | $2,471-58.6% |
| Participant deferral / active EE | $2,895 | $2,695+7.4% | $3,722-22.2% | $3,741-22.6% |
| Admin fee / account holder | $6,551 | $4,288+52.8% | $5,665+15.6% | $5,306+23.5% |