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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 | $52,201 | $73,787-29.3% | $98,716-47.1% | $82,448-36.7% |
| Participation rate | 74.3% | 61.4%+12.9pp | 69.3%+5.0pp | 68.1%+6.2pp |
| Annual return | 15.88% | 18.57%-2.7pp | 31.81%-15.9pp | 41.64%-25.8pp |
| Employer contribution / active EE | $1,825 | $1,511+20.7% | $2,279-19.9% | $2,551-28.5% |
| Participant deferral / active EE | $3,671 | $3,081+19.1% | $4,048-9.3% | $4,139-11.3% |
| Admin fee / account holder | $3,297 | $6,500-49.3% | $8,703-62.1% | $7,234-54.4% |