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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 | $56,372 | $58,099-3.0% | $76,872-26.7% | $75,173-25.0% |
| Participation rate | 72.9% | 63.9%+9.0pp | 69.6%+3.3pp | 67.2%+5.7pp |
| Annual return | 29.55% | 26.71%+2.8pp | 37.90%-8.4pp | 160.72%-131.2pp |
| Employer contribution / active EE | $793 | $1,996-60.3% | $2,533-68.7% | $2,671-70.3% |
| Participant deferral / active EE | $7,289 | $2,999+143.0% | $3,832+90.2% | $4,126+76.7% |
| Admin fee / account holder | $1,342 | $4,778-71.9% | $5,476-75.5% | $5,651-76.3% |