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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 | $54,456 | $65,364-16.7% | $92,909-41.4% | $72,975-25.4% |
| Participation rate | 82.4% | 68.3%+14.0pp | 76.0%+6.3pp | 69.5%+12.9pp |
| Annual return | 18.96% | 42.11%-23.1pp | 109.44%-90.5pp | 81.01%-62.1pp |
| Employer contribution / active EE | $1,613 | $2,594-37.8% | $3,653-55.9% | $2,440-33.9% |
| Participant deferral / active EE | $3,329 | $3,128+6.4% | $4,238-21.4% | $3,608-7.7% |
| Admin fee / account holder | $1,566 | $4,251-63.2% | $5,795-73.0% | $5,124-69.4% |