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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 | $22,057 | $47,848-53.9% | $81,473-72.9% | $70,126-68.5% |
| Participation rate | 71.4% | 58.3%+13.2pp | 68.0%+3.5pp | 69.5%+1.9pp |
| Annual return | 16.96% | 27.25%-10.3pp | 38.78%-21.8pp | 73.15%-56.2pp |
| Employer contribution / active EE | $1,412 | $1,527-7.5% | $2,568-45.0% | $2,343-39.7% |
| Participant deferral / active EE | $2,819 | $2,453+14.9% | $3,537-20.3% | $3,332-15.4% |
| Admin fee / account holder | $969 | $3,145-69.2% | $4,561-78.8% | $4,645-79.1% |