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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 | $41,312 | $78,672-47.5% | $109,163-62.2% | $85,856-51.9% |
| Participation rate | 71.4% | 68.3%+3.2pp | 75.9%-4.5pp | 69.3%+2.1pp |
| Annual return | 15.70% | 25.09%-9.4pp | 25.75%-10.1pp | 318.58%-302.9pp |
| Employer contribution / active EE | $2,128 | $2,734-22.1% | $3,723-42.8% | $2,565-17.0% |
| Participant deferral / active EE | $4,020 | $3,467+15.9% | $4,654-13.6% | $3,952+1.7% |
| Admin fee / account holder | $1,251 | $5,470-77.1% | $6,754-81.5% | $6,261-80.0% |