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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 | $54,816 | $57,140-4.1% | $85,240-35.7% | $80,959-32.3% |
| Participation rate | 77.8% | 56.4%+21.4pp | 67.5%+10.2pp | 67.7%+10.1pp |
| Annual return | 11.85% | 21.71%-9.9pp | 66.75%-54.9pp | 35.67%-23.8pp |
| Employer contribution / active EE | $937 | $1,802-48.0% | $2,735-65.7% | $2,757-66.0% |
| Participant deferral / active EE | $1,535 | $3,115-50.7% | $4,527-66.1% | $4,300-64.3% |
| Admin fee / account holder | $3,969 | $4,992-20.5% | $6,165-35.6% | $6,925-42.7% |