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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 | $47,213 | $67,602-30.2% | $82,312-42.6% | $70,126-32.7% |
| Participation rate | 70.4% | 72.8%-2.4pp | 76.9%-6.5pp | 69.5%+0.8pp |
| Annual return | 22.30% | 21.57%+0.7pp | 25.88%-3.6pp | 73.15%-50.8pp |
| Employer contribution / active EE | $1,279 | $1,755-27.1% | $2,428-47.4% | $2,343-45.4% |
| Participant deferral / active EE | $4,359 | $2,987+45.9% | $3,706+17.6% | $3,332+30.8% |
| Admin fee / account holder | $1,464 | $4,512-67.5% | $5,608-73.9% | $4,645-68.5% |