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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 | $75,541-24.5% | $152,093-62.5% | $82,637-31.0% |
| Participation rate | 81.6% | 66.5%+15.0pp | 77.8%+3.8pp | 68.1%+13.5pp |
| Annual return | 17.78% | 32.56%-14.8pp | 66.36%-48.6pp | 53.51%-35.7pp |
| Employer contribution / active EE | $1,944 | $2,622-25.9% | $4,175-53.4% | $2,552-23.8% |
| Participant deferral / active EE | $3,522 | $3,206+9.9% | $5,451-35.4% | $4,126-14.6% |
| Admin fee / account holder | $1,416 | $6,405-77.9% | $14,497-90.2% | $7,339-80.7% |