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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 | $41,448 | $106,749-61.2% | $145,433-71.5% | $82,448-49.7% |
| Participation rate | 74.0% | 75.6%-1.6pp | 82.1%-8.1pp | 68.1%+5.9pp |
| Annual return | 17.02% | 27.59%-10.6pp | 66.58%-49.6pp | 41.64%-24.6pp |
| Employer contribution / active EE | $1,997 | $3,444-42.0% | $4,554-56.1% | $2,551-21.7% |
| Participant deferral / active EE | $5,337 | $6,519-18.1% | $7,897-32.4% | $4,139+28.9% |
| Admin fee / account holder | $1,582 | $8,390-81.1% | $13,129-87.9% | $7,234-78.1% |