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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 | $61,631 | $97,550-36.8% | $120,344-48.8% | $87,485-29.6% |
| Participation rate | 91.2% | 72.8%+18.4pp | 76.7%+14.5pp | 68.9%+22.2pp |
| Annual return | 13.41% | 18.41%-5.0pp | 20.30%-6.9pp | 26.06%-12.7pp |
| Employer contribution / active EE | $1,118 | $2,291-51.2% | $3,020-63.0% | $2,596-56.9% |
| Participant deferral / active EE | $3,231 | $4,230-23.6% | $5,135-37.1% | $4,274-24.4% |
| Admin fee / account holder | $1,588 | $9,543-83.4% | $12,742-87.5% | $7,775-79.6% |