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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 | $48,129 | $56,894-15.4% | $84,753-43.2% | $62,881-23.5% |
| Participation rate | 79.7% | 68.5%+11.1pp | 76.6%+3.1pp | 69.3%+10.4pp |
| Annual return | 10.28% | 6.30%+4.0pp | 22.78%-12.5pp | 20.14%-9.9pp |
| Employer contribution / active EE | $1,154 | $2,400-51.9% | $3,574-67.7% | $2,281-49.4% |
| Participant deferral / active EE | $3,974 | $2,709+46.7% | $3,712+7.0% | $3,203+24.1% |
| Admin fee / account holder | $2,144 | $3,581-40.1% | $5,333-59.8% | $4,296-50.1% |