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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 | $72,496 | $75,541-4.0% | $152,093-52.3% | $82,637-12.3% |
| Participation rate | 73.0% | 66.5%+6.5pp | 77.8%-4.8pp | 68.1%+5.0pp |
| Annual return | 14.81% | 32.56%-17.7pp | 66.36%-51.5pp | 53.51%-38.7pp |
| Employer contribution / active EE | $1,176 | $2,622-55.2% | $4,175-71.8% | $2,552-53.9% |
| Participant deferral / active EE | $5,412 | $3,206+68.8% | $5,451-0.7% | $4,126+31.2% |
| Admin fee / account holder | $1,371 | $6,405-78.6% | $14,497-90.5% | $7,339-81.3% |