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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 | $83,167 | $73,940+12.5% | $96,496-13.8% | $75,173+10.6% |
| Participation rate | 76.0% | 66.4%+9.6pp | 74.3%+1.7pp | 67.2%+8.8pp |
| Annual return | 15.48% | 26.71%-11.2pp | 35.70%-20.2pp | 160.65%-145.2pp |
| Employer contribution / active EE | $1,641 | $2,929-44.0% | $3,738-56.1% | $2,670-38.5% |
| Participant deferral / active EE | $3,227 | $3,659-11.8% | $4,879-33.9% | $4,126-21.8% |
| Admin fee / account holder | $1,277 | $5,216-75.5% | $6,731-81.0% | $5,651-77.4% |