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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 | $43,776 | $76,551-42.8% | $123,894-64.7% | $62,881-30.4% |
| Participation rate | 74.6% | 73.0%+1.6pp | 81.4%-6.8pp | 69.3%+5.3pp |
| Annual return | 12.16% | 18.68%-6.5pp | 47.52%-35.4pp | 20.14%-8.0pp |
| Employer contribution / active EE | $3,812 | $2,882+32.2% | $4,617-17.4% | $2,281+67.1% |
| Participant deferral / active EE | $6,836 | $4,840+41.3% | $5,984+14.2% | $3,203+113.4% |
| Admin fee / account holder | $2,277 | $4,826-52.8% | $8,357-72.7% | $4,296-47.0% |