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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 | $52,705 | $71,197-26.0% | $93,669-43.7% | $80,925-34.9% |
| Participation rate | 94.7% | 60.4%+34.3pp | 68.7%+26.0pp | 67.7%+27.1pp |
| Annual return | 14.86% | 11.27%+3.6pp | 133.59%-118.7pp | 35.65%-20.8pp |
| Employer contribution / active EE | $1,392 | $1,565-11.0% | $2,424-42.6% | $2,756-49.5% |
| Participant deferral / active EE | $3,409 | $4,036-15.5% | $4,416-22.8% | $4,299-20.7% |
| Admin fee / account holder | $2,740 | $6,959-60.6% | $8,291-67.0% | $6,940-60.5% |