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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 | $42,759 | $75,541-43.4% | $152,093-71.9% | $82,637-48.3% |
| Participation rate | 82.9% | 66.5%+16.4pp | 77.8%+5.1pp | 68.1%+14.8pp |
| Annual return | 16.21% | 32.56%-16.3pp | 66.36%-50.1pp | 53.51%-37.3pp |
| Employer contribution / active EE | $1,781 | $2,622-32.1% | $4,175-57.3% | $2,552-30.2% |
| Participant deferral / active EE | $4,272 | $3,206+33.3% | $5,451-21.6% | $4,126+3.5% |
| Admin fee / account holder | $4,348 | $6,405-32.1% | $14,497-70.0% | $7,339-40.8% |