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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 | $45,515 | $106,749-57.4% | $145,433-68.7% | $82,448-44.8% |
| Participation rate | 88.2% | 75.6%+12.6pp | 82.1%+6.1pp | 68.1%+20.2pp |
| Annual return | 18.80% | 27.59%-8.8pp | 66.58%-47.8pp | 41.64%-22.8pp |
| Employer contribution / active EE | $2,340 | $3,444-32.1% | $4,554-48.6% | $2,551-8.3% |
| Participant deferral / active EE | $3,863 | $6,519-40.7% | $7,897-51.1% | $4,139-6.7% |
| Admin fee / account holder | $7,864 | $8,390-6.3% | $13,129-40.1% | $7,234+8.7% |