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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 | $45,145 | $75,541-40.2% | $152,093-70.3% | $82,637-45.4% |
| Participation rate | 71.0% | 66.5%+4.4pp | 77.8%-6.8pp | 68.1%+2.9pp |
| Annual return | 14.34% | 32.56%-18.2pp | 66.36%-52.0pp | 53.51%-39.2pp |
| Employer contribution / active EE | $1,944 | $2,622-25.9% | $4,175-53.4% | $2,552-23.8% |
| Participant deferral / active EE | $4,278 | $3,206+33.5% | $5,451-21.5% | $4,126+3.7% |
| Admin fee / account holder | $5,557 | $6,405-13.2% | $14,497-61.7% | $7,339-24.3% |