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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 | $73,988+12.4% | $96,538-13.9% | $75,177+10.6% |
| Participation rate | 76.0% | 66.4%+9.6pp | 74.3%+1.7pp | 67.2%+8.8pp |
| Annual return | 15.48% | 26.73%-11.2pp | 35.74%-20.3pp | 160.75%-145.3pp |
| Employer contribution / active EE | $1,641 | $2,930-44.0% | $3,740-56.1% | $2,671-38.6% |
| Participant deferral / active EE | $3,227 | $3,660-11.9% | $4,880-33.9% | $4,126-21.8% |
| Admin fee / account holder | $1,277 | $5,220-75.5% | $6,737-81.0% | $5,651-77.4% |