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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 | $67,912 | $81,476-16.6% | $102,383-33.7% | $80,925-16.1% |
| Participation rate | 88.9% | 66.8%+22.0pp | 74.5%+14.4pp | 67.7%+21.2pp |
| Annual return | 17.01% | 25.59%-8.6pp | 24.94%-7.9pp | 35.65%-18.6pp |
| Employer contribution / active EE | $1,300 | $3,105-58.1% | $3,870-66.4% | $2,756-52.8% |
| Participant deferral / active EE | $6,476 | $3,871+67.3% | $5,060+28.0% | $4,299+50.7% |
| Admin fee / account holder | $3,142 | $6,717-53.2% | $8,391-62.6% | $6,940-54.7% |