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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 | $48,970 | $76,371-35.9% | $93,621-47.7% | $72,975-32.9% |
| Participation rate | 76.8% | 71.8%+5.1pp | 75.8%+1.0pp | 69.5%+7.3pp |
| Annual return | 20.99% | 25.82%-4.8pp | 32.76%-11.8pp | 81.01%-60.0pp |
| Employer contribution / active EE | $1,495 | $2,276-34.3% | $2,719-45.0% | $2,440-38.7% |
| Participant deferral / active EE | $3,728 | $3,538+5.3% | $4,070-8.4% | $3,608+3.3% |
| Admin fee / account holder | $4,489 | $6,839-34.4% | $7,890-43.1% | $5,124-12.4% |