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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 | $34,058 | $106,749-68.1% | $145,433-76.6% | $82,448-58.7% |
| Participation rate | 70.3% | 75.6%-5.4pp | 82.1%-11.8pp | 68.1%+2.2pp |
| Annual return | 19.28% | 27.59%-8.3pp | 66.58%-47.3pp | 41.64%-22.4pp |
| Employer contribution / active EE | $2,356 | $3,444-31.6% | $4,554-48.3% | $2,551-7.7% |
| Participant deferral / active EE | $3,288 | $6,519-49.6% | $7,897-58.4% | $4,139-20.6% |
| Admin fee / account holder | $3,312 | $8,390-60.5% | $13,129-74.8% | $7,234-54.2% |