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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 | $35,701 | $106,749-66.6% | $145,433-75.5% | $82,448-56.7% |
| Participation rate | 71.8% | 75.6%-3.9pp | 82.1%-10.3pp | 68.1%+3.7pp |
| Annual return | 15.64% | 27.59%-12.0pp | 66.58%-50.9pp | 41.64%-26.0pp |
| Employer contribution / active EE | $2,455 | $3,444-28.7% | $4,554-46.1% | $2,551-3.8% |
| Participant deferral / active EE | $2,920 | $6,519-55.2% | $7,897-63.0% | $4,139-29.4% |
| Admin fee / account holder | $382 | $8,390-95.5% | $13,129-97.1% | $7,234-94.7% |