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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 | $62,743 | $101,798-38.4% | $165,071-62.0% | $80,935-22.5% |
| Participation rate | 88.9% | 71.8%+17.1pp | 78.6%+10.3pp | 67.7%+21.2pp |
| Annual return | 12.00% | 16.73%-4.7pp | 70.17%-58.2pp | 35.66%-23.7pp |
| Employer contribution / active EE | $1,910 | $2,954-35.4% | $4,347-56.1% | $2,757-30.7% |
| Participant deferral / active EE | $4,249 | $4,476-5.1% | $6,035-29.6% | $4,299-1.2% |
| Admin fee / account holder | $13,032 | $8,221+58.5% | $12,695+2.7% | $6,924+88.2% |