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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 | $47,078 | $76,551-38.5% | $123,894-62.0% | $62,881-25.1% |
| Participation rate | 75.5% | 73.0%+2.5pp | 81.4%-5.9pp | 69.3%+6.2pp |
| Annual return | 10.37% | 18.68%-8.3pp | 47.52%-37.2pp | 20.14%-9.8pp |
| Employer contribution / active EE | $1,293 | $2,882-55.1% | $4,617-72.0% | $2,281-43.3% |
| Participant deferral / active EE | $4,548 | $4,840-6.0% | $5,984-24.0% | $3,203+42.0% |
| Admin fee / account holder | $9,004 | $4,826+86.6% | $8,357+7.7% | $4,296+109.6% |