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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 | $44,099 | $86,949-49.3% | $102,460-57.0% | $80,959-45.5% |
| Participation rate | 81.5% | 72.4%+9.1pp | 76.5%+5.0pp | 67.7%+13.8pp |
| Annual return | 10.88% | 18.89%-8.0pp | 29.47%-18.6pp | 35.67%-24.8pp |
| Employer contribution / active EE | $1,647 | $2,370-30.5% | $3,025-45.6% | $2,757-40.3% |
| Participant deferral / active EE | $3,403 | $4,121-17.4% | $5,056-32.7% | $4,300-20.9% |
| Admin fee / account holder | $4,061 | $8,048-49.5% | $9,460-57.1% | $6,925-41.4% |