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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 | $41,148 | $83,485-50.7% | $125,195-67.1% | $72,976-43.6% |
| Participation rate | 71.2% | 73.3%-2.1pp | 79.8%-8.6pp | 69.5%+1.7pp |
| Annual return | 27.33% | 25.77%+1.6pp | 43.79%-16.5pp | 81.02%-53.7pp |
| Employer contribution / active EE | $2,927 | $2,346+24.8% | $3,866-24.3% | $2,440+20.0% |
| Participant deferral / active EE | $4,882 | $3,586+36.1% | $4,937-1.1% | $3,608+35.3% |
| Admin fee / account holder | $757 | $5,518-86.3% | $9,704-92.2% | $5,124-85.2% |