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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 | $59,024 | $72,269-18.3% | $101,271-41.7% | $79,852-26.1% |
| Participation rate | 90.9% | 68.5%+22.4pp | 75.8%+15.1pp | 69.6%+21.3pp |
| Annual return | 21.76% | 22.29%-0.5pp | 46.48%-24.7pp | 31.72%-10.0pp |
| Employer contribution / active EE | $1,216 | $2,692-54.8% | $3,660-66.8% | $2,471-50.8% |
| Participant deferral / active EE | $3,334 | $3,282+1.6% | $4,371-23.7% | $3,740-10.9% |
| Admin fee / account holder | $4,966 | $4,401+12.8% | $5,948-16.5% | $5,306-6.4% |