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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 | $54,322 | $75,541-28.1% | $152,093-64.3% | $82,637-34.3% |
| Participation rate | 80.5% | 66.5%+13.9pp | 77.8%+2.7pp | 68.1%+12.4pp |
| Annual return | 16.30% | 32.56%-16.3pp | 66.36%-50.1pp | 53.51%-37.2pp |
| Employer contribution / active EE | $1,508 | $2,622-42.5% | $4,175-63.9% | $2,552-40.9% |
| Participant deferral / active EE | $5,932 | $3,206+85.1% | $5,451+8.8% | $4,126+43.8% |
| Admin fee / account holder | $1,622 | $6,405-74.7% | $14,497-88.8% | $7,339-77.9% |