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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 | $58,730 | $52,678+11.5% | $75,784-22.5% | $59,633-1.5% |
| Participation rate | 80.0% | 67.2%+12.8pp | 75.8%+4.2pp | 68.7%+11.3pp |
| Annual return | 8.59% | 2.95%+5.6pp | 9.68%-1.1pp | 2041.45%-2032.9pp |
| Employer contribution / active EE | $814 | $2,193-62.9% | $3,323-75.5% | $2,203-63.1% |
| Participant deferral / active EE | $3,203 | $2,591+23.6% | $3,652-12.3% | $3,192+0.4% |
| Admin fee / account holder | $3,100 | $3,610-14.1% | $5,300-41.5% | $4,297-27.9% |