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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 | $71,805 | $95,404-24.7% | $113,397-36.7% | $82,637-13.1% |
| Participation rate | 75.4% | 72.8%+2.6pp | 76.5%-1.1pp | 68.1%+7.4pp |
| Annual return | 17.18% | 19.08%-1.9pp | 23.20%-6.0pp | 53.51%-36.3pp |
| Employer contribution / active EE | $1,712 | $2,307-25.8% | $2,977-42.5% | $2,552-32.9% |
| Participant deferral / active EE | $3,977 | $4,220-5.7% | $5,076-21.6% | $4,126-3.6% |
| Admin fee / account holder | $1,922 | $9,168-79.0% | $11,957-83.9% | $7,339-73.8% |