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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 | $65,351 | $81,476-19.8% | $102,383-36.2% | $80,925-19.2% |
| Participation rate | 71.2% | 66.8%+4.3pp | 74.5%-3.4pp | 67.7%+3.5pp |
| Annual return | 13.27% | 25.59%-12.3pp | 24.94%-11.7pp | 35.65%-22.4pp |
| Employer contribution / active EE | $1,861 | $3,105-40.1% | $3,870-51.9% | $2,756-32.5% |
| Participant deferral / active EE | $2,763 | $3,871-28.6% | $5,060-45.4% | $4,299-35.7% |
| Admin fee / account holder | $1,838 | $6,717-72.6% | $8,391-78.1% | $6,940-73.5% |