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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 | $47,094 | $80,983-41.8% | $96,544-51.2% | $75,177-37.4% |
| Participation rate | 81.5% | 71.8%+9.7pp | 76.0%+5.5pp | 67.2%+14.3pp |
| Annual return | 15.16% | 27.05%-11.9pp | 25.88%-10.7pp | 160.75%-145.6pp |
| Employer contribution / active EE | $1,432 | $2,282-37.3% | $2,966-51.7% | $2,671-46.4% |
| Participant deferral / active EE | $2,578 | $3,929-34.4% | $4,851-46.9% | $4,126-37.5% |
| Admin fee / account holder | $3,034 | $6,717-54.8% | $8,254-63.2% | $5,651-46.3% |