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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 | $65,731 | $84,953-22.6% | $163,379-59.8% | $82,637-20.5% |
| Participation rate | 84.8% | 65.9%+18.9pp | 76.8%+8.0pp | 68.1%+16.8pp |
| Annual return | 15.54% | 23.07%-7.5pp | 63.41%-47.9pp | 53.51%-38.0pp |
| Employer contribution / active EE | $1,017 | $2,183-53.4% | $3,752-72.9% | $2,552-60.1% |
| Participant deferral / active EE | $1,895 | $4,326-56.2% | $6,282-69.8% | $4,126-54.1% |
| Admin fee / account holder | $1,183 | $7,921-85.1% | $9,818-88.0% | $7,339-83.9% |