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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 | $75,911 | $65,027+16.7% | $90,970-16.6% | $79,852-4.9% |
| Participation rate | 71.7% | 61.6%+10.1pp | 69.0%+2.7pp | 69.6%+2.1pp |
| Annual return | 15.27% | 30.45%-15.2pp | 134.58%-119.3pp | 31.72%-16.5pp |
| Employer contribution / active EE | $831 | $1,247-33.4% | $2,122-60.8% | $2,471-66.4% |
| Participant deferral / active EE | $2,589 | $2,512+3.1% | $3,373-23.2% | $3,740-30.8% |
| Admin fee / account holder | $2,997 | $4,535-33.9% | $5,960-49.7% | $5,306-43.5% |