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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 | $52,908 | $58,057-8.9% | $97,032-45.5% | $86,983-39.2% |
| Participation rate | 83.9% | 60.4%+23.5pp | 71.6%+12.3pp | 69.5%+14.3pp |
| Annual return | 14.56% | 22.26%-7.7pp | 35.38%-20.8pp | 25.83%-11.3pp |
| Employer contribution / active EE | $1,932 | $1,663+16.2% | $2,629-26.5% | $2,584-25.2% |
| Participant deferral / active EE | $3,081 | $3,244-5.0% | $4,672-34.1% | $4,194-26.5% |
| Admin fee / account holder | $4,411 | $4,839-8.8% | $9,418-53.2% | $7,856-43.9% |