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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 | $73,959 | $76,551-3.4% | $123,894-40.3% | $62,881+17.6% |
| Participation rate | 87.5% | 73.0%+14.5pp | 81.4%+6.1pp | 69.3%+18.2pp |
| Annual return | 6.98% | 18.68%-11.7pp | 47.52%-40.5pp | 20.14%-13.2pp |
| Employer contribution / active EE | $1,587 | $2,882-44.9% | $4,617-65.6% | $2,281-30.4% |
| Participant deferral / active EE | $3,442 | $4,840-28.9% | $5,984-42.5% | $3,203+7.5% |
| Admin fee / account holder | $1,293 | $4,826-73.2% | $8,357-84.5% | $4,296-69.9% |