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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 | $57,650 | $72,272-20.2% | $101,264-43.1% | $79,858-27.8% |
| Participation rate | 87.2% | 68.5%+18.8pp | 75.8%+11.4pp | 69.6%+17.6pp |
| Annual return | 15.48% | 22.30%-6.8pp | 46.48%-31.0pp | 31.72%-16.2pp |
| Employer contribution / active EE | $1,296 | $2,692-51.8% | $3,660-64.6% | $2,471-47.5% |
| Participant deferral / active EE | $2,915 | $3,282-11.2% | $4,370-33.3% | $3,740-22.1% |
| Admin fee / account holder | $3,213 | $4,401-27.0% | $5,947-46.0% | $5,306-39.4% |