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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 | $52,409 | $69,444-24.5% | $92,985-43.6% | $87,485-40.1% |
| Participation rate | 78.1% | 63.3%+14.8pp | 69.5%+8.6pp | 68.9%+9.2pp |
| Annual return | 12.96% | 23.85%-10.9pp | 27.99%-15.0pp | 26.06%-13.1pp |
| Employer contribution / active EE | $1,832 | $1,917-4.4% | $2,662-31.2% | $2,596-29.4% |
| Participant deferral / active EE | $2,880 | $3,364-14.4% | $4,377-34.2% | $4,274-32.6% |
| Admin fee / account holder | $1,523 | $6,137-75.2% | $9,463-83.9% | $7,775-80.4% |