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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 | $50,339 | $60,349-16.6% | $74,184-32.1% | $62,881-19.9% |
| Participation rate | 71.1% | 72.7%-1.6pp | 76.6%-5.5pp | 69.3%+1.8pp |
| Annual return | 10.17% | 21.38%-11.2pp | 17.74%-7.6pp | 20.14%-10.0pp |
| Employer contribution / active EE | $1,573 | $1,680-6.4% | $2,370-33.6% | $2,281-31.0% |
| Participant deferral / active EE | $3,865 | $2,856+35.3% | $3,550+8.9% | $3,203+20.7% |
| Admin fee / account holder | $1,207 | $4,261-71.7% | $5,586-78.4% | $4,296-71.9% |