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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 | $52,508 | $86,949-39.6% | $102,460-48.8% | $80,959-35.1% |
| Participation rate | 78.6% | 72.4%+6.2pp | 76.5%+2.1pp | 67.7%+10.9pp |
| Annual return | 15.79% | 18.89%-3.1pp | 29.47%-13.7pp | 35.67%-19.9pp |
| Employer contribution / active EE | $1,604 | $2,370-32.3% | $3,025-47.0% | $2,757-41.8% |
| Participant deferral / active EE | $2,552 | $4,121-38.1% | $5,056-49.5% | $4,300-40.7% |
| Admin fee / account holder | $1,147 | $8,048-85.7% | $9,460-87.9% | $6,925-83.4% |