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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 | $77,760 | $61,605+26.2% | $112,273-30.7% | $75,173+3.4% |
| Participation rate | 82.4% | 61.7%+20.7pp | 72.4%+9.9pp | 67.2%+15.1pp |
| Annual return | 19.00% | 28.47%-9.5pp | 30.23%-11.2pp | 160.72%-141.7pp |
| Employer contribution / active EE | $1,256 | $2,015-37.7% | $3,431-63.4% | $2,671-53.0% |
| Participant deferral / active EE | $2,574 | $3,108-17.2% | $4,800-46.4% | $4,126-37.6% |
| Admin fee / account holder | $931 | $4,862-80.8% | $7,752-88.0% | $5,651-83.5% |