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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 | $84,288 | $36,948+128.1% | $73,658+14.4% | $87,485-3.7% |
| Participation rate | 78.6% | 46.8%+31.8pp | 57.0%+21.5pp | 68.9%+9.6pp |
| Annual return | 13.84% | 28.64%-14.8pp | 29.72%-15.9pp | 26.06%-12.2pp |
| Employer contribution / active EE | $1,339 | $670+99.8% | $1,032+29.7% | $2,596-48.4% |
| Participant deferral / active EE | $3,576 | $1,379+159.3% | $2,062+73.4% | $4,274-16.3% |
| Admin fee / account holder | $1,945 | $2,531-23.1% | $3,357-42.0% | $7,775-75.0% |