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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 | $52,484 | $93,064-43.6% | $74,577-29.6% | $273,972-80.8% |
| Participation rate | 78.9% | 74.9%+4.0pp | 68.1%+10.8pp | 83.0%-4.1pp |
| Annual return | 11.44% | 26.18%-14.7pp | 20.47%-9.0pp | 41.46%-30.0pp |
| Employer contribution / active EE | $1,725 | $3,160-45.4% | $2,525-31.7% | $4,869-64.6% |
| Participant deferral / active EE | $4,028 | $4,160-3.2% | $3,458+16.5% | $5,287-23.8% |
| Admin fee / account holder | $1,055 | $5,273-80.0% | $4,138-74.5% | $10,133-89.6% |