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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 | $42,266 | $93,598-54.8% | $135,974-68.9% | $75,173-43.8% |
| Participation rate | 84.4% | 75.2%+9.2pp | 81.9%+2.5pp | 67.2%+17.2pp |
| Annual return | 21.04% | 30.89%-9.8pp | 68.30%-47.3pp | 160.72%-139.7pp |
| Employer contribution / active EE | $2,237 | $3,538-36.8% | $4,859-54.0% | $2,671-16.2% |
| Participant deferral / active EE | $5,553 | $6,405-13.3% | $7,760-28.4% | $4,126+34.6% |
| Admin fee / account holder | $4,907 | $6,978-29.7% | $10,767-54.4% | $5,651-13.2% |