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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 | $37,479 | $54,541-31.3% | $78,778-52.4% | $70,126-46.6% |
| Participation rate | 80.0% | 60.8%+19.2pp | 69.2%+10.8pp | 69.5%+10.5pp |
| Annual return | 14.62% | 21.07%-6.5pp | 35.62%-21.0pp | 73.15%-58.5pp |
| Employer contribution / active EE | $1,274 | $1,089+17.1% | $1,986-35.8% | $2,343-45.6% |
| Participant deferral / active EE | $2,831 | $2,210+28.1% | $2,958-4.3% | $3,332-15.0% |
| Admin fee / account holder | $1,491 | $3,709-59.8% | $5,134-70.9% | $4,645-67.9% |