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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 | $42,345 | $79,557-46.8% | $118,746-64.3% | $70,124-39.6% |
| Participation rate | 96.7% | 71.4%+25.3pp | 78.3%+18.4pp | 69.5%+27.1pp |
| Annual return | 17.29% | 25.64%-8.3pp | 24.54%-7.2pp | 73.14%-55.9pp |
| Employer contribution / active EE | $1,333 | $2,861-53.4% | $4,193-68.2% | $2,342-43.1% |
| Participant deferral / active EE | $1,746 | $4,089-57.3% | $5,332-67.3% | $3,332-47.6% |
| Admin fee / account holder | $1,209 | $5,374-77.5% | $10,720-88.7% | $4,645-74.0% |