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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 | $11,773 | $57,590-79.6% | $86,233-86.3% | $82,448-85.7% |
| Participation rate | 76.5% | 57.9%+18.6pp | 69.0%+7.5pp | 68.1%+8.4pp |
| Annual return | 20.95% | 22.41%-1.5pp | 61.39%-40.4pp | 41.64%-20.7pp |
| Employer contribution / active EE | $1,864 | $1,655+12.6% | $2,504-25.6% | $2,551-26.9% |
| Participant deferral / active EE | $3,267 | $3,080+6.1% | $4,559-28.3% | $4,139-21.1% |
| Admin fee / account holder | $3,519 | $4,730-25.6% | $8,342-57.8% | $7,234-51.4% |