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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 | $39,931 | $90,486-55.9% | $78,676-49.2% | $273,972-85.4% |
| Participation rate | 80.0% | 76.5%+3.5pp | 73.6%+6.4pp | 83.0%-3.0pp |
| Annual return | 8.62% | 75.62%-67.0pp | 62.19%-53.6pp | 41.46%-32.8pp |
| Employer contribution / active EE | $1,350 | $3,175-57.5% | $2,850-52.6% | $4,869-72.3% |
| Participant deferral / active EE | $2,241 | $3,901-42.5% | $3,517-36.3% | $5,287-57.6% |
| Admin fee / account holder | $385 | $5,263-92.7% | $4,510-91.5% | $10,133-96.2% |