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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 | $42,388 | $99,875-57.6% | $146,866-71.1% | $86,983-51.3% |
| Participation rate | 86.0% | 75.8%+10.2pp | 82.5%+3.5pp | 69.5%+16.5pp |
| Annual return | 21.84% | 28.10%-6.3pp | 102.85%-81.0pp | 25.83%-4.0pp |
| Employer contribution / active EE | $2,797 | $3,224-13.2% | $4,425-36.8% | $2,584+8.2% |
| Participant deferral / active EE | $5,279 | $6,322-16.5% | $7,759-32.0% | $4,194+25.9% |
| Admin fee / account holder | $1,747 | $7,838-77.7% | $13,620-87.2% | $7,856-77.8% |