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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 | $40,742 | $95,404-57.3% | $113,397-64.1% | $82,637-50.7% |
| Participation rate | 74.1% | 72.8%+1.3pp | 76.5%-2.4pp | 68.1%+6.0pp |
| Annual return | 17.96% | 19.08%-1.1pp | 23.20%-5.2pp | 53.51%-35.5pp |
| Employer contribution / active EE | $2,578 | $2,307+11.8% | $2,977-13.4% | $2,552+1.0% |
| Participant deferral / active EE | $2,893 | $4,220-31.4% | $5,076-43.0% | $4,126-29.9% |
| Admin fee / account holder | $863 | $9,168-90.6% | $11,957-92.8% | $7,339-88.2% |