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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 | $64,990 | $63,082+3.0% | $81,726-20.5% | $79,856-18.6% |
| Participation rate | 81.3% | 67.5%+13.7pp | 72.0%+9.2pp | 69.6%+11.6pp |
| Annual return | 12.39% | 22.66%-10.3pp | 29.49%-17.1pp | 31.71%-19.3pp |
| Employer contribution / active EE | $1,554 | $1,795-13.4% | $4,311-63.9% | $2,471-37.1% |
| Participant deferral / active EE | $3,583 | $2,780+28.9% | $7,108-49.6% | $3,741-4.2% |
| Admin fee / account holder | $2,163 | $4,428-51.1% | $5,160-58.1% | $5,306-59.2% |