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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 | $46,491 | $58,848-21.0% | $88,179-47.3% | $82,637-43.7% |
| Participation rate | 78.7% | 57.9%+20.8pp | 69.1%+9.6pp | 68.1%+10.7pp |
| Annual return | 20.61% | 22.76%-2.1pp | 64.97%-44.4pp | 53.51%-32.9pp |
| Employer contribution / active EE | $1,463 | $1,678-12.9% | $2,549-42.6% | $2,552-42.7% |
| Participant deferral / active EE | $5,739 | $3,124+83.7% | $4,614+24.4% | $4,126+39.1% |
| Admin fee / account holder | $2,507 | $4,795-47.7% | $7,673-67.3% | $7,339-65.8% |