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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 | $51,923 | $67,602-23.2% | $82,312-36.9% | $70,126-26.0% |
| Participation rate | 80.6% | 72.8%+7.8pp | 76.9%+3.7pp | 69.5%+11.0pp |
| Annual return | 22.12% | 21.57%+0.5pp | 25.88%-3.8pp | 73.15%-51.0pp |
| Employer contribution / active EE | $1,041 | $1,755-40.7% | $2,428-57.1% | $2,343-55.5% |
| Participant deferral / active EE | $5,826 | $2,987+95.0% | $3,706+57.2% | $3,332+74.9% |
| Admin fee / account holder | $1,604 | $4,512-64.4% | $5,608-71.4% | $4,645-65.5% |