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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 | $51,783 | $72,492-28.6% | $87,104-40.6% | $72,975-29.0% |
| Participation rate | 87.9% | 72.8%+15.1pp | 76.9%+11.0pp | 69.5%+18.4pp |
| Annual return | 22.02% | 24.46%-2.4pp | 28.19%-6.2pp | 81.01%-59.0pp |
| Employer contribution / active EE | $1,405 | $1,894-25.8% | $2,521-44.3% | $2,440-42.4% |
| Participant deferral / active EE | $3,049 | $3,270-6.7% | $4,048-24.7% | $3,608-15.5% |
| Admin fee / account holder | $492 | $5,055-90.3% | $7,491-93.4% | $5,124-90.4% |