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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 | $58,057+39.1% | $97,032-16.8% | $86,983-7.1% |
| Participation rate | 94.1% | 60.4%+33.8pp | 71.6%+22.6pp | 69.5%+24.6pp |
| Annual return | 13.36% | 22.26%-8.9pp | 35.38%-22.0pp | 25.83%-12.5pp |
| Employer contribution / active EE | $1,516 | $1,663-8.9% | $2,629-42.3% | $2,584-41.4% |
| Participant deferral / active EE | $2,122 | $3,244-34.6% | $4,672-54.6% | $4,194-49.4% |
| Admin fee / account holder | $34,865 | $4,839+620.5% | $9,418+270.2% | $7,856+343.8% |