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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 | $47,384 | $58,057-18.4% | $97,032-51.2% | $86,983-45.5% |
| Participation rate | 79.1% | 60.4%+18.7pp | 71.6%+7.5pp | 69.5%+9.5pp |
| Annual return | 18.65% | 22.26%-3.6pp | 35.38%-16.7pp | 25.83%-7.2pp |
| Employer contribution / active EE | $1,174 | $1,663-29.4% | $2,629-55.3% | $2,584-54.6% |
| Participant deferral / active EE | $2,902 | $3,244-10.6% | $4,672-37.9% | $4,194-30.8% |
| Admin fee / account holder | $1,173 | $4,839-75.8% | $9,418-87.5% | $7,856-85.1% |