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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 | $43,166 | $73,988-41.7% | $96,538-55.3% | $75,177-42.6% |
| Participation rate | 71.4% | 66.4%+5.0pp | 74.3%-2.9pp | 67.2%+4.2pp |
| Annual return | 19.22% | 26.73%-7.5pp | 35.74%-16.5pp | 160.75%-141.5pp |
| Employer contribution / active EE | $2,402 | $2,930-18.0% | $3,740-35.8% | $2,671-10.1% |
| Participant deferral / active EE | $5,958 | $3,660+62.8% | $4,880+22.1% | $4,126+44.4% |
| Admin fee / account holder | $3,966 | $5,220-24.0% | $6,737-41.1% | $5,651-29.8% |