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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 | $25,288 | $67,894-62.8% | $89,340-71.7% | $82,448-69.3% |
| Participation rate | 83.8% | 64.0%+19.7pp | 69.6%+14.2pp | 68.1%+15.7pp |
| Annual return | 13.73% | 19.21%-5.5pp | 20.57%-6.8pp | 41.64%-27.9pp |
| Employer contribution / active EE | $1,410 | $1,828-22.9% | $2,231-36.8% | $2,551-44.7% |
| Participant deferral / active EE | $2,815 | $3,072-8.4% | $3,823-26.4% | $4,139-32.0% |
| Admin fee / account holder | $4,661 | $5,723-18.6% | $6,704-30.5% | $7,234-35.6% |