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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 | $48,029 | $55,713-13.8% | $75,901-36.7% | $72,975-34.2% |
| Participation rate | 70.7% | 61.1%+9.6pp | 69.3%+1.4pp | 69.5%+1.2pp |
| Annual return | 23.41% | 27.60%-4.2pp | 30.76%-7.4pp | 81.01%-57.6pp |
| Employer contribution / active EE | $1,110 | $1,687-34.2% | $2,501-55.6% | $2,440-54.5% |
| Participant deferral / active EE | $1,531 | $2,634-41.9% | $3,603-57.5% | $3,608-57.6% |
| Admin fee / account holder | $1,232 | $3,980-69.0% | $5,420-77.3% | $5,124-75.9% |