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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 | $49,994 | $104,098-52.0% | $140,514-64.4% | $94,015-46.8% |
| Participation rate | 75.9% | 73.7%+2.2pp | 77.8%-1.9pp | 70.8%+5.0pp |
| Annual return | 12.54% | 15.14%-2.6pp | 14.36%-1.8pp | 17.84%-5.3pp |
| Employer contribution / active EE | $1,856 | $2,388-22.3% | $3,378-45.1% | $2,790-33.5% |
| Participant deferral / active EE | $2,269 | $4,033-43.7% | $4,919-53.9% | $4,249-46.6% |
| Admin fee / account holder | $2,035 | $10,439-80.5% | $13,697-85.1% | $8,951-77.3% |