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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 | $42,966 | $64,359-33.2% | $90,161-52.3% | $70,126-38.7% |
| Participation rate | 71.8% | 70.4%+1.4pp | 76.9%-5.1pp | 69.5%+2.3pp |
| Annual return | 24.03% | 28.13%-4.1pp | 34.89%-10.9pp | 73.15%-49.1pp |
| Employer contribution / active EE | $2,403 | $2,046+17.5% | $3,318-27.6% | $2,343+2.6% |
| Participant deferral / active EE | $4,781 | $4,389+8.9% | $5,287-9.6% | $3,332+43.5% |
| Admin fee / account holder | $1,453 | $3,945-63.2% | $5,943-75.6% | $4,645-68.7% |