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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 | $49,900 | $81,457-38.7% | $103,378-51.7% | $80,911-38.3% |
| Participation rate | 82.4% | 66.8%+15.5pp | 74.5%+7.8pp | 67.6%+14.7pp |
| Annual return | 13.00% | 25.58%-12.6pp | 24.91%-11.9pp | 35.63%-22.6pp |
| Employer contribution / active EE | $2,514 | $3,107-19.1% | $3,870-35.1% | $2,756-8.8% |
| Participant deferral / active EE | $6,731 | $3,871+73.9% | $5,058+33.1% | $4,297+56.6% |
| Admin fee / account holder | $1,685 | $6,717-74.9% | $8,401-79.9% | $6,935-75.7% |