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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 | $55,479 | $72,273-23.2% | $101,275-45.2% | $79,856-30.5% |
| Participation rate | 71.8% | 68.5%+3.3pp | 75.8%-4.0pp | 69.6%+2.2pp |
| Annual return | 11.53% | 22.30%-10.8pp | 46.48%-35.0pp | 31.71%-20.2pp |
| Employer contribution / active EE | $1,562 | $2,691-41.9% | $3,660-57.3% | $2,471-36.8% |
| Participant deferral / active EE | $2,715 | $3,282-17.3% | $4,371-37.9% | $3,741-27.4% |
| Admin fee / account holder | $756 | $4,401-82.8% | $5,948-87.3% | $5,306-85.7% |