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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 | $59,299 | $58,048+2.2% | $94,215-37.1% | $65,306-9.2% |
| Participation rate | 79.1% | 45.3%+33.8pp | 70.0%+9.1pp | 57.7%+21.4pp |
| Annual return | 14.52% | 19.61%-5.1pp | 28.22%-13.7pp | 21.94%-7.4pp |
| Employer contribution / active EE | $645 | $1,427-54.8% | $2,675-75.9% | $1,967-67.2% |
| Participant deferral / active EE | $4,026 | $2,407+67.3% | $4,276-5.8% | $2,959+36.1% |
| Admin fee / account holder | $4,628 | $4,610+0.4% | $10,216-54.7% | $3,480+33.0% |