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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 | $59,351 | $76,367-22.3% | $93,614-36.6% | $72,983-18.7% |
| Participation rate | 77.1% | 71.7%+5.4pp | 75.8%+1.3pp | 69.5%+7.7pp |
| Annual return | 22.23% | 25.82%-3.6pp | 32.76%-10.5pp | 81.01%-58.8pp |
| Employer contribution / active EE | $450 | $2,275-80.2% | $2,718-83.5% | $2,440-81.6% |
| Participant deferral / active EE | $2,523 | $3,538-28.7% | $4,069-38.0% | $3,608-30.1% |
| Admin fee / account holder | $10,140 | $6,838+48.3% | $7,889+28.5% | $5,124+97.9% |