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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 | $76,834-9.2% | $108,359-35.6% | $87,485-20.3% |
| Participation rate | 78.4% | 61.7%+16.7pp | 70.1%+8.3pp | 68.9%+9.4pp |
| Annual return | 15.61% | 19.09%-3.5pp | 36.89%-21.3pp | 26.06%-10.5pp |
| Employer contribution / active EE | $1,149 | $1,556-26.2% | $2,399-52.1% | $2,596-55.7% |
| Participant deferral / active EE | $1,513 | $3,100-51.2% | $4,137-63.4% | $4,274-64.6% |
| Admin fee / account holder | $4,838 | $6,537-26.0% | $9,741-50.3% | $7,775-37.8% |