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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 | $67,730 | $109,782-38.3% | $260,467-74.0% | $94,015-28.0% |
| Participation rate | 86.4% | 67.2%+19.2pp | 80.5%+5.9pp | 70.8%+15.5pp |
| Annual return | 13.89% | 18.60%-4.7pp | 100.60%-86.7pp | 17.84%-4.0pp |
| Employer contribution / active EE | $1,986 | $2,147-7.5% | $4,239-53.1% | $2,790-28.8% |
| Participant deferral / active EE | $4,607 | $4,044+13.9% | $6,319-27.1% | $4,249+8.4% |
| Admin fee / account holder | $1,945 | $11,958-83.7% | $15,461-87.4% | $8,951-78.3% |