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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 | $45,793 | $56,894-19.5% | $84,753-46.0% | $62,881-27.2% |
| Participation rate | 71.7% | 68.5%+3.2pp | 76.6%-4.9pp | 69.3%+2.4pp |
| Annual return | 6.56% | 6.30%+0.3pp | 22.78%-16.2pp | 20.14%-13.6pp |
| Employer contribution / active EE | $948 | $2,400-60.5% | $3,574-73.5% | $2,281-58.5% |
| Participant deferral / active EE | $2,830 | $2,709+4.4% | $3,712-23.8% | $3,203-11.7% |
| Admin fee / account holder | $16,097 | $3,581+349.5% | $5,333+201.8% | $4,296+274.7% |