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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 | $60,760 | $77,896-22.0% | $134,172-54.7% | $82,448-26.3% |
| Participation rate | 91.4% | 62.8%+28.6pp | 72.5%+18.9pp | 68.1%+23.3pp |
| Annual return | 17.46% | 18.21%-0.8pp | 25.30%-7.8pp | 41.64%-24.2pp |
| Employer contribution / active EE | $1,583 | $2,159-26.7% | $3,420-53.7% | $2,551-38.0% |
| Participant deferral / active EE | $2,382 | $3,162-24.7% | $4,690-49.2% | $4,139-42.5% |
| Admin fee / account holder | $1,758 | $6,336-72.3% | $12,016-85.4% | $7,234-75.7% |