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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 | $76,562 | $54,541+40.4% | $78,778-2.8% | $70,126+9.2% |
| Participation rate | 75.0% | 60.8%+14.2pp | 69.2%+5.8pp | 69.5%+5.5pp |
| Annual return | 14.42% | 21.07%-6.7pp | 35.62%-21.2pp | 73.15%-58.7pp |
| Employer contribution / active EE | $1,162 | $1,089+6.8% | $1,986-41.5% | $2,343-50.4% |
| Participant deferral / active EE | $2,815 | $2,210+27.4% | $2,958-4.9% | $3,332-15.5% |
| Admin fee / account holder | $1,276 | $3,709-65.6% | $5,134-75.2% | $4,645-72.5% |