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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 | $41,074 | $75,058-45.3% | $152,301-73.0% | $64,340-36.2% |
| Participation rate | 71.4% | 60.9%+10.5pp | 82.4%-11.0pp | 55.2%+16.2pp |
| Annual return | 17.70% | 29.93%-12.2pp | 80.50%-62.8pp | 24.14%-6.4pp |
| Employer contribution / active EE | $1,201 | $2,605-53.9% | $4,624-74.0% | $1,862-35.5% |
| Participant deferral / active EE | $5,401 | $5,041+7.1% | $8,004-32.5% | $2,980+81.2% |
| Admin fee / account holder | $1,462 | $4,050-63.9% | $14,398-89.8% | $3,703-60.5% |