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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 | $66,438 | $47,848+38.9% | $81,473-18.5% | $70,126-5.3% |
| Participation rate | 76.9% | 58.3%+18.6pp | 68.0%+9.0pp | 69.5%+7.4pp |
| Annual return | 18.75% | 27.25%-8.5pp | 38.78%-20.0pp | 73.15%-54.4pp |
| Employer contribution / active EE | $1,596 | $1,527+4.5% | $2,568-37.8% | $2,343-31.8% |
| Participant deferral / active EE | $4,014 | $2,453+63.6% | $3,537+13.5% | $3,332+20.5% |
| Admin fee / account holder | $2,090 | $3,145-33.6% | $4,561-54.2% | $4,645-55.0% |