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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 | $64,191 | $56,894+12.8% | $84,753-24.3% | $62,881+2.1% |
| Participation rate | 81.0% | 68.5%+12.4pp | 76.6%+4.4pp | 69.3%+11.6pp |
| Annual return | 9.46% | 6.30%+3.2pp | 22.78%-13.3pp | 20.14%-10.7pp |
| Employer contribution / active EE | $1,431 | $2,400-40.4% | $3,574-60.0% | $2,281-37.2% |
| Participant deferral / active EE | $3,007 | $2,709+11.0% | $3,712-19.0% | $3,203-6.1% |
| Admin fee / account holder | $1,798 | $3,581-49.8% | $5,333-66.3% | $4,296-58.1% |