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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 | $53,212 | $58,851-9.6% | $115,170-53.8% | $72,975-27.1% |
| Participation rate | 75.8% | 65.5%+10.2pp | 75.9%-0.2pp | 69.5%+6.3pp |
| Annual return | 21.75% | 23.16%-1.4pp | 35.60%-13.9pp | 81.01%-59.3pp |
| Employer contribution / active EE | $1,194 | $1,798-33.6% | $3,179-62.4% | $2,440-51.1% |
| Participant deferral / active EE | $2,669 | $2,643+1.0% | $4,169-36.0% | $3,608-26.0% |
| Admin fee / account holder | $4,021 | $6,370-36.9% | $7,089-43.3% | $5,124-21.5% |