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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 | $42,184 | $138,393-69.5% | $184,256-77.1% | $80,959-47.9% |
| Participation rate | 79.3% | 83.9%-4.6pp | 86.8%-7.5pp | 67.7%+11.6pp |
| Annual return | 18.83% | 20.01%-1.2pp | 28.85%-10.0pp | 35.67%-16.8pp |
| Employer contribution / active EE | $5,558 | $4,847+14.7% | $6,427-13.5% | $2,757+101.6% |
| Participant deferral / active EE | $13,435 | $7,076+89.9% | $9,133+47.1% | $4,300+212.4% |
| Admin fee / account holder | $3,720 | $10,489-64.5% | $13,899-73.2% | $6,925-46.3% |