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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 | $57,014 | $76,407-25.4% | $150,298-62.1% | $82,448-30.8% |
| Participation rate | 81.6% | 66.4%+15.2pp | 77.8%+3.8pp | 68.1%+13.5pp |
| Annual return | 17.78% | 39.99%-22.2pp | 62.79%-45.0pp | 41.64%-23.9pp |
| Employer contribution / active EE | $1,944 | $2,614-25.6% | $4,154-53.2% | $2,551-23.8% |
| Participant deferral / active EE | $3,522 | $3,214+9.6% | $5,453-35.4% | $4,139-14.9% |
| Admin fee / account holder | $1,416 | $6,352-77.7% | $14,116-90.0% | $7,234-80.4% |