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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 | $52,787 | $58,493-9.8% | $84,021-37.2% | $72,975-27.7% |
| Participation rate | 76.3% | 61.2%+15.1pp | 69.0%+7.3pp | 69.5%+6.8pp |
| Annual return | 20.99% | 28.93%-7.9pp | 71.32%-50.3pp | 81.01%-60.0pp |
| Employer contribution / active EE | $1,077 | $1,163-7.4% | $1,984-45.7% | $2,440-55.9% |
| Participant deferral / active EE | $3,984 | $2,394+66.4% | $3,239+23.0% | $3,608+10.4% |
| Admin fee / account holder | $10,078 | $4,569+120.6% | $6,102+65.2% | $5,124+96.7% |