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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 | $46,005 | $80,985-43.2% | $96,576-52.4% | $75,181-38.8% |
| Participation rate | 85.5% | 71.8%+13.8pp | 76.0%+9.6pp | 67.2%+18.3pp |
| Annual return | 13.51% | 27.05%-13.5pp | 25.87%-12.4pp | 160.69%-147.2pp |
| Employer contribution / active EE | $1,786 | $2,282-21.8% | $2,965-39.8% | $2,671-33.1% |
| Participant deferral / active EE | $3,788 | $3,929-3.6% | $4,851-21.9% | $4,126-8.2% |
| Admin fee / account holder | $1,681 | $6,719-75.0% | $8,253-79.6% | $5,650-70.2% |