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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 | $41,182 | $64,010-35.7% | $108,359-62.0% | $64,340-36.0% |
| Participation rate | 86.8% | 49.4%+37.5pp | 70.1%+16.7pp | 55.2%+31.6pp |
| Annual return | 17.41% | 19.74%-2.3pp | 36.89%-19.5pp | 24.14%-6.7pp |
| Employer contribution / active EE | $1,791 | $1,029+74.1% | $2,399-25.4% | $1,862-3.8% |
| Participant deferral / active EE | $3,569 | $2,395+49.0% | $4,137-13.7% | $2,980+19.8% |
| Admin fee / account holder | $1,196 | $4,885-75.5% | $9,741-87.7% | $3,703-67.7% |