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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 | $60,224 | $138,393-56.5% | $184,256-67.3% | $80,959-25.6% |
| Participation rate | 70.7% | 83.9%-13.2pp | 86.8%-16.1pp | 67.7%+3.1pp |
| Annual return | 15.48% | 20.01%-4.5pp | 28.85%-13.4pp | 35.67%-20.2pp |
| Employer contribution / active EE | $1,970 | $4,847-59.4% | $6,427-69.3% | $2,757-28.5% |
| Participant deferral / active EE | $4,556 | $7,076-35.6% | $9,133-50.1% | $4,300+5.9% |
| Admin fee / account holder | $7,153 | $10,489-31.8% | $13,899-48.5% | $6,925+3.3% |