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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 | $39,965 | $64,359-37.9% | $90,161-55.7% | $70,126-43.0% |
| Participation rate | 78.1% | 70.4%+7.7pp | 76.9%+1.3pp | 69.5%+8.6pp |
| Annual return | 22.05% | 28.13%-6.1pp | 34.89%-12.8pp | 73.15%-51.1pp |
| Employer contribution / active EE | $3,332 | $2,046+62.9% | $3,318+0.4% | $2,343+42.2% |
| Participant deferral / active EE | $3,888 | $4,389-11.4% | $5,287-26.5% | $3,332+16.7% |
| Admin fee / account holder | $1,474 | $3,945-62.6% | $5,943-75.2% | $4,645-68.3% |