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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 | $40,647 | $80,992-49.8% | $96,534-57.9% | $75,173-45.9% |
| Participation rate | 71.7% | 71.8%-0.1pp | 76.0%-4.3pp | 67.2%+4.5pp |
| Annual return | 21.73% | 27.05%-5.3pp | 25.88%-4.2pp | 160.72%-139.0pp |
| Employer contribution / active EE | $2,251 | $2,283-1.4% | $2,965-24.1% | $2,671-15.7% |
| Participant deferral / active EE | $4,440 | $3,929+13.0% | $4,851-8.5% | $4,126+7.6% |
| Admin fee / account holder | $905 | $6,717-86.5% | $8,253-89.0% | $5,651-84.0% |