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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 | $48,908 | $138,385-64.7% | $184,243-73.5% | $80,925-39.6% |
| Participation rate | 76.7% | 83.9%-7.2pp | 86.8%-10.2pp | 67.7%+9.0pp |
| Annual return | 22.69% | 20.02%+2.7pp | 28.82%-6.1pp | 35.65%-13.0pp |
| Employer contribution / active EE | $3,246 | $4,851-33.1% | $6,427-49.5% | $2,756+17.8% |
| Participant deferral / active EE | $5,354 | $7,075-24.3% | $9,132-41.4% | $4,299+24.5% |
| Admin fee / account holder | $5,829 | $10,489-44.4% | $13,914-58.1% | $6,940-16.0% |