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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 | $67,136 | $84,236-20.3% | $170,435-60.6% | $70,126-4.3% |
| Participation rate | 87.2% | 70.8%+16.4pp | 83.6%+3.6pp | 69.5%+17.7pp |
| Annual return | 16.06% | 23.06%-7.0pp | 205.94%-189.9pp | 73.15%-57.1pp |
| Employer contribution / active EE | $1,122 | $3,387-66.9% | $5,432-79.3% | $2,343-52.1% |
| Participant deferral / active EE | $3,103 | $3,086+0.6% | $4,939-37.2% | $3,332-6.9% |
| Admin fee / account holder | $3,078 | $5,698-46.0% | $13,881-77.8% | $4,645-33.7% |