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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 | $62,173 | $54,541+14.0% | $78,778-21.1% | $70,126-11.3% |
| Participation rate | 74.3% | 60.8%+13.5pp | 69.2%+5.1pp | 69.5%+4.7pp |
| Annual return | 18.57% | 21.07%-2.5pp | 35.62%-17.1pp | 73.15%-54.6pp |
| Employer contribution / active EE | $441 | $1,089-59.5% | $1,986-77.8% | $2,343-81.2% |
| Participant deferral / active EE | $2,391 | $2,210+8.2% | $2,958-19.2% | $3,332-28.2% |
| Admin fee / account holder | $5,996 | $3,709+61.7% | $5,134+16.8% | $4,645+29.1% |