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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 | $38,187 | $101,778-62.5% | $164,975-76.9% | $80,925-52.8% |
| Participation rate | 75.7% | 71.8%+3.8pp | 78.6%-2.9pp | 67.7%+8.0pp |
| Annual return | 13.77% | 16.73%-3.0pp | 70.12%-56.4pp | 35.65%-21.9pp |
| Employer contribution / active EE | $2,500 | $2,954-15.4% | $4,343-42.4% | $2,756-9.3% |
| Participant deferral / active EE | $5,514 | $4,477+23.2% | $6,033-8.6% | $4,299+28.3% |
| Admin fee / account holder | $11,694 | $8,221+42.2% | $12,688-7.8% | $6,940+68.5% |