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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 | $59,754 | $72,486-17.6% | $87,103-31.4% | $72,976-18.1% |
| Participation rate | 89.2% | 72.8%+16.4pp | 76.9%+12.3pp | 69.5%+19.7pp |
| Annual return | 21.07% | 24.46%-3.4pp | 28.19%-7.1pp | 81.02%-59.9pp |
| Employer contribution / active EE | $1,279 | $1,894-32.5% | $2,521-49.3% | $2,440-47.6% |
| Participant deferral / active EE | $3,336 | $3,270+2.0% | $4,049-17.6% | $3,608-7.5% |
| Admin fee / account holder | $2,781 | $5,055-45.0% | $7,491-62.9% | $5,124-45.7% |