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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 | $27,112 | $93,064-70.9% | $74,577-63.6% | $273,972-90.1% |
| Participation rate | 75.0% | 74.9%+0.1pp | 68.1%+6.9pp | 83.0%-8.0pp |
| Annual return | 3.84% | 26.18%-22.3pp | 20.47%-16.6pp | 41.46%-37.6pp |
| Employer contribution / active EE | $2,055 | $3,160-35.0% | $2,525-18.6% | $4,869-57.8% |
| Participant deferral / active EE | $4,147 | $4,160-0.3% | $3,458+19.9% | $5,287-21.6% |
| Admin fee / account holder | $4,183 | $5,273-20.7% | $4,138+1.1% | $10,133-58.7% |