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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 | $26,079 | $76,551-65.9% | $123,894-79.0% | $62,881-58.5% |
| Participation rate | 76.2% | 73.0%+3.2pp | 81.4%-5.2pp | 69.3%+6.9pp |
| Annual return | 12.58% | 18.68%-6.1pp | 47.52%-34.9pp | 20.14%-7.6pp |
| Employer contribution / active EE | $2,602 | $2,882-9.7% | $4,617-43.6% | $2,281+14.1% |
| Participant deferral / active EE | $5,199 | $4,840+7.4% | $5,984-13.1% | $3,203+62.3% |
| Admin fee / account holder | $383 | $4,826-92.1% | $8,357-95.4% | $4,296-91.1% |