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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 | $77,646 | $83,485-7.0% | $125,180-38.0% | $72,983+6.4% |
| Participation rate | 85.1% | 73.3%+11.8pp | 79.8%+5.3pp | 69.5%+15.6pp |
| Annual return | 23.17% | 25.78%-2.6pp | 43.79%-20.6pp | 81.01%-57.8pp |
| Employer contribution / active EE | $1,349 | $2,346-42.5% | $3,866-65.1% | $2,440-44.7% |
| Participant deferral / active EE | $2,992 | $3,586-16.6% | $4,937-39.4% | $3,608-17.1% |
| Admin fee / account holder | $1,312 | $5,518-76.2% | $9,703-86.5% | $5,124-74.4% |