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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 | $51,141 | $81,457-37.2% | $103,378-50.5% | $80,911-36.8% |
| Participation rate | 92.8% | 66.8%+25.9pp | 74.5%+18.2pp | 67.6%+25.1pp |
| Annual return | 12.23% | 25.58%-13.3pp | 24.91%-12.7pp | 35.63%-23.4pp |
| Employer contribution / active EE | $1,653 | $3,107-46.8% | $3,870-57.3% | $2,756-40.0% |
| Participant deferral / active EE | $3,901 | $3,871+0.8% | $5,058-22.9% | $4,297-9.2% |
| Admin fee / account holder | $770 | $6,717-88.5% | $8,401-90.8% | $6,935-88.9% |