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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 | $21,054 | $96,562-78.2% | $80,976-74.0% | $273,968-92.3% |
| Participation rate | 80.0% | 79.1%+0.9pp | 75.8%+4.2pp | 83.0%-3.0pp |
| Annual return | 4.86% | 15.14%-10.3pp | 17.10%-12.2pp | 41.45%-36.6pp |
| Employer contribution / active EE | $1,855 | $4,868-61.9% | $3,714-50.1% | $4,869-61.9% |
| Participant deferral / active EE | $3,583 | $6,597-45.7% | $5,696-37.1% | $5,287-32.2% |
| Admin fee / account holder | $315 | $7,493-95.8% | $5,516-94.3% | $10,132-96.9% |