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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 | $49,446 | $82,028-39.7% | $123,105-59.8% | $59,633-17.1% |
| Participation rate | 78.4% | 83.2%-4.8pp | 86.8%-8.4pp | 68.7%+9.7pp |
| Annual return | 7.13% | 5.12%+2.0pp | 13.22%-6.1pp | 2041.45%-2034.3pp |
| Employer contribution / active EE | $1,534 | $3,297-53.5% | $5,151-70.2% | $2,203-30.3% |
| Participant deferral / active EE | $4,748 | $4,667+1.7% | $6,229-23.8% | $3,192+48.8% |
| Admin fee / account holder | $2,546 | $5,879-56.7% | $9,014-71.8% | $4,297-40.7% |