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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 | $49,979 | $67,602-26.1% | $82,312-39.3% | $70,126-28.7% |
| Participation rate | 93.5% | 72.8%+20.8pp | 76.9%+16.7pp | 69.5%+24.0pp |
| Annual return | 18.77% | 21.57%-2.8pp | 25.88%-7.1pp | 73.15%-54.4pp |
| Employer contribution / active EE | $1,613 | $1,755-8.1% | $2,428-33.6% | $2,343-31.1% |
| Participant deferral / active EE | $4,270 | $2,987+43.0% | $3,706+15.2% | $3,332+28.2% |
| Admin fee / account holder | $1,993 | $4,512-55.8% | $5,608-64.5% | $4,645-57.1% |