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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 | $41,859 | $103,966-59.7% | $112,899-62.9% | $75,181-44.3% |
| Participation rate | 73.4% | 75.7%-2.3pp | 80.5%-7.1pp | 67.2%+6.2pp |
| Annual return | 23.30% | 24.54%-1.2pp | 34.11%-10.8pp | 160.69%-137.4pp |
| Employer contribution / active EE | $1,572 | $3,870-59.4% | $4,566-65.6% | $2,671-41.1% |
| Participant deferral / active EE | $5,818 | $5,456+6.6% | $6,516-10.7% | $4,126+41.0% |
| Admin fee / account holder | $5,812 | $7,663-24.2% | $7,047-17.5% | $5,650+2.9% |