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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 | $43,371 | $80,992-46.5% | $96,534-55.1% | $75,173-42.3% |
| Participation rate | 75.0% | 71.8%+3.2pp | 76.0%-1.0pp | 67.2%+7.8pp |
| Annual return | 15.93% | 27.05%-11.1pp | 25.88%-10.0pp | 160.72%-144.8pp |
| Employer contribution / active EE | $1,097 | $2,283-51.9% | $2,965-63.0% | $2,671-58.9% |
| Participant deferral / active EE | $2,957 | $3,929-24.8% | $4,851-39.1% | $4,126-28.3% |
| Admin fee / account holder | $2,653 | $6,717-60.5% | $8,253-67.9% | $5,651-53.1% |