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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 | $45,327 | $46,877-3.3% | $122,354-63.0% | $70,124-35.4% |
| Participation rate | 84.3% | 58.2%+26.1pp | 71.6%+12.6pp | 69.5%+14.7pp |
| Annual return | 16.88% | 24.22%-7.3pp | 30.28%-13.4pp | 73.14%-56.3pp |
| Employer contribution / active EE | $1,061 | $1,288-17.7% | $4,051-73.8% | $2,342-54.7% |
| Participant deferral / active EE | $2,301 | $2,167+6.2% | $3,287-30.0% | $3,332-30.9% |
| Admin fee / account holder | $672 | $3,324-79.8% | $5,479-87.7% | $4,645-85.5% |