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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 | $76,424 | $124,425-38.6% | $112,040-31.8% | $137,256-44.3% |
| Participation rate | 85.7% | 79.3%+6.4pp | 76.5%+9.2pp | 80.0%+5.8pp |
| Annual return | 11.74% | 24.72%-13.0pp | 24.52%-12.8pp | 220.34%-208.6pp |
| Employer contribution / active EE | $1,029 | $3,411-69.8% | $2,954-65.2% | $4,156-75.3% |
| Participant deferral / active EE | $13,496 | $5,718+136.0% | $5,098+164.8% | $6,407+110.7% |
| Admin fee / account holder | $4,211 | $15,207-72.3% | $12,098-65.2% | $12,270-65.7% |