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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 | $38,653 | $95,453-59.5% | $112,040-65.5% | $82,448-53.1% |
| Participation rate | 71.4% | 72.8%-1.3pp | 76.5%-5.1pp | 68.1%+3.4pp |
| Annual return | 19.57% | 23.92%-4.4pp | 24.52%-5.0pp | 41.64%-22.1pp |
| Employer contribution / active EE | $1,979 | $2,318-14.6% | $2,954-33.0% | $2,551-22.4% |
| Participant deferral / active EE | $4,059 | $4,224-3.9% | $5,098-20.4% | $4,139-1.9% |
| Admin fee / account holder | $661 | $9,013-92.7% | $12,098-94.5% | $7,234-90.9% |