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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 | $65,011 | $95,404-31.9% | $113,397-42.7% | $82,637-21.3% |
| Participation rate | 85.7% | 72.8%+12.9pp | 76.5%+9.2pp | 68.1%+17.7pp |
| Annual return | 14.74% | 19.08%-4.3pp | 23.20%-8.5pp | 53.51%-38.8pp |
| Employer contribution / active EE | $1,861 | $2,307-19.3% | $2,977-37.5% | $2,552-27.1% |
| Participant deferral / active EE | $2,913 | $4,220-31.0% | $5,076-42.6% | $4,126-29.4% |
| Admin fee / account holder | $1,931 | $9,168-78.9% | $11,957-83.9% | $7,339-73.7% |