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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 | $27,967 | $106,749-73.8% | $145,433-80.8% | $82,448-66.1% |
| Participation rate | 87.5% | 75.6%+11.9pp | 82.1%+5.4pp | 68.1%+19.4pp |
| Annual return | 15.16% | 27.59%-12.4pp | 66.58%-51.4pp | 41.64%-26.5pp |
| Employer contribution / active EE | $1,531 | $3,444-55.5% | $4,554-66.4% | $2,551-40.0% |
| Participant deferral / active EE | $4,541 | $6,519-30.3% | $7,897-42.5% | $4,139+9.7% |
| Admin fee / account holder | $2,550 | $8,390-69.6% | $13,129-80.6% | $7,234-64.8% |