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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 | $55,219 | $106,749-48.3% | $145,433-62.0% | $82,448-33.0% |
| Participation rate | 96.6% | 75.6%+20.9pp | 82.1%+14.4pp | 68.1%+28.5pp |
| Annual return | 19.24% | 27.59%-8.4pp | 66.58%-47.3pp | 41.64%-22.4pp |
| Employer contribution / active EE | $1,256 | $3,444-63.5% | $4,554-72.4% | $2,551-50.7% |
| Participant deferral / active EE | $7,476 | $6,519+14.7% | $7,897-5.3% | $4,139+80.6% |
| Admin fee / account holder | $604 | $8,390-92.8% | $13,129-95.4% | $7,234-91.7% |