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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 | $53,908 | $73,787-26.9% | $98,716-45.4% | $82,448-34.6% |
| Participation rate | 85.3% | 61.4%+23.9pp | 69.3%+16.0pp | 68.1%+17.2pp |
| Annual return | 14.05% | 18.57%-4.5pp | 31.81%-17.8pp | 41.64%-27.6pp |
| Employer contribution / active EE | $1,761 | $1,511+16.5% | $2,279-22.7% | $2,551-31.0% |
| Participant deferral / active EE | $4,822 | $3,081+56.5% | $4,048+19.1% | $4,139+16.5% |
| Admin fee / account holder | $8,811 | $6,500+35.5% | $8,703+1.2% | $7,234+21.8% |