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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 | $40,105 | $67,602-40.7% | $82,312-51.3% | $70,126-42.8% |
| Participation rate | 80.5% | 72.8%+7.7pp | 76.9%+3.6pp | 69.5%+11.0pp |
| Annual return | 17.41% | 21.57%-4.2pp | 25.88%-8.5pp | 73.15%-55.7pp |
| Employer contribution / active EE | $1,125 | $1,755-35.9% | $2,428-53.7% | $2,343-52.0% |
| Participant deferral / active EE | $2,002 | $2,987-33.0% | $3,706-46.0% | $3,332-39.9% |
| Admin fee / account holder | $4,937 | $4,512+9.4% | $5,608-12.0% | $4,645+6.3% |