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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 | $41,173 | $93,055-55.8% | $153,643-73.2% | $80,935-49.1% |
| Participation rate | 81.8% | 69.0%+12.8pp | 77.1%+4.7pp | 67.7%+14.2pp |
| Annual return | 13.76% | 19.97%-6.2pp | 15.71%-2.0pp | 35.66%-21.9pp |
| Employer contribution / active EE | $3,300 | $3,504-5.8% | $5,039-34.5% | $2,757+19.7% |
| Participant deferral / active EE | $5,375 | $5,172+3.9% | $6,754-20.4% | $4,299+25.0% |
| Admin fee / account holder | $1,819 | $8,881-79.5% | $12,739-85.7% | $6,924-73.7% |