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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 | $54,879 | $65,027-15.6% | $90,970-39.7% | $79,852-31.3% |
| Participation rate | 78.1% | 61.6%+16.5pp | 69.0%+9.1pp | 69.6%+8.4pp |
| Annual return | 13.48% | 30.45%-17.0pp | 134.58%-121.1pp | 31.72%-18.2pp |
| Employer contribution / active EE | $1,412 | $1,247+13.2% | $2,122-33.5% | $2,471-42.9% |
| Participant deferral / active EE | $3,166 | $2,512+26.0% | $3,373-6.2% | $3,740-15.4% |
| Admin fee / account holder | $1,436 | $4,535-68.3% | $5,960-75.9% | $5,306-72.9% |