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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 | $80,777 | $63,949+26.3% | $129,031-37.4% | $94,015-14.1% |
| Participation rate | 94.1% | 63.4%+30.7pp | 73.4%+20.8pp | 70.8%+23.3pp |
| Annual return | 13.36% | 17.56%-4.2pp | 34.67%-21.3pp | 17.84%-4.5pp |
| Employer contribution / active EE | $1,516 | $1,865-18.7% | $3,226-53.0% | $2,790-45.7% |
| Participant deferral / active EE | $2,122 | $3,686-42.4% | $5,217-59.3% | $4,249-50.1% |
| Admin fee / account holder | $34,865 | $5,523+531.2% | $13,208+164.0% | $8,951+289.5% |