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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 | $35,827 | $80,992-55.8% | $96,534-62.9% | $75,173-52.3% |
| Participation rate | 80.8% | 71.8%+9.0pp | 76.0%+4.8pp | 67.2%+13.6pp |
| Annual return | 15.47% | 27.05%-11.6pp | 25.88%-10.4pp | 160.72%-145.3pp |
| Employer contribution / active EE | $1,297 | $2,283-43.2% | $2,965-56.3% | $2,671-51.4% |
| Participant deferral / active EE | $3,638 | $3,929-7.4% | $4,851-25.0% | $4,126-11.8% |
| Admin fee / account holder | $5,769 | $6,717-14.1% | $8,253-30.1% | $5,651+2.1% |