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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 | $54,862 | $87,037-37.0% | $106,201-48.3% | $80,874-32.2% |
| Participation rate | 77.1% | 70.4%+6.7pp | 75.3%+1.9pp | 67.6%+9.5pp |
| Annual return | 14.58% | 17.05%-2.5pp | 116.26%-101.7pp | 35.62%-21.0pp |
| Employer contribution / active EE | $1,898 | $2,396-20.8% | $3,170-40.1% | $2,756-31.1% |
| Participant deferral / active EE | $5,834 | $3,986+46.3% | $5,012+16.4% | $4,297+35.8% |
| Admin fee / account holder | $1,041 | $8,434-87.7% | $11,039-90.6% | $6,935-85.0% |