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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 | $23,697 | $96,956-75.6% | $69,779-66.0% | $273,972-91.4% |
| Participation rate | 79.2% | 77.1%+2.1pp | 71.8%+7.3pp | 83.0%-3.8pp |
| Annual return | 6.71% | 12.93%-6.2pp | 12.99%-6.3pp | 41.46%-34.7pp |
| Employer contribution / active EE | $2,101 | $3,316-36.6% | $2,338-10.1% | $4,869-56.8% |
| Participant deferral / active EE | $4,807 | $3,744+28.4% | $2,931+64.0% | $5,287-9.1% |
| Admin fee / account holder | $472 | $7,934-94.0% | $4,381-89.2% | $10,133-95.3% |