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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 | $75,393 | $106,524-29.2% | $152,301-50.5% | $87,485-13.8% |
| Participation rate | 86.5% | 75.8%+10.7pp | 82.4%+4.0pp | 68.9%+17.6pp |
| Annual return | 15.87% | 26.89%-11.0pp | 80.50%-64.6pp | 26.06%-10.2pp |
| Employer contribution / active EE | $1,636 | $3,371-51.5% | $4,624-64.6% | $2,596-37.0% |
| Participant deferral / active EE | $5,020 | $6,525-23.1% | $8,004-37.3% | $4,274+17.5% |
| Admin fee / account holder | $1,546 | $8,287-81.3% | $14,398-89.3% | $7,775-80.1% |