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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 | $35,395 | $106,524-66.8% | $152,301-76.8% | $87,485-59.5% |
| Participation rate | 84.4% | 75.8%+8.6pp | 82.4%+1.9pp | 68.9%+15.4pp |
| Annual return | 20.98% | 26.89%-5.9pp | 80.50%-59.5pp | 26.06%-5.1pp |
| Employer contribution / active EE | $2,002 | $3,371-40.6% | $4,624-56.7% | $2,596-22.9% |
| Participant deferral / active EE | $3,810 | $6,525-41.6% | $8,004-52.4% | $4,274-10.8% |
| Admin fee / account holder | $502 | $8,287-93.9% | $14,398-96.5% | $7,775-93.5% |