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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 | $69,760 | $73,787-5.5% | $98,716-29.3% | $82,448-15.4% |
| Participation rate | 78.4% | 61.4%+17.0pp | 69.3%+9.1pp | 68.1%+10.3pp |
| Annual return | 15.61% | 18.57%-3.0pp | 31.81%-16.2pp | 41.64%-26.0pp |
| Employer contribution / active EE | $1,149 | $1,511-24.0% | $2,279-49.6% | $2,551-55.0% |
| Participant deferral / active EE | $1,513 | $3,081-50.9% | $4,048-62.6% | $4,139-63.4% |
| Admin fee / account holder | $4,838 | $6,500-25.6% | $8,703-44.4% | $7,234-33.1% |