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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 | $46,098 | $87,166-47.1% | $76,735-39.9% | $137,256-66.4% |
| Participation rate | 70.0% | 74.4%-4.4pp | 69.5%+0.5pp | 80.0%-10.0pp |
| Annual return | 16.91% | 26.50%-9.6pp | 29.77%-12.9pp | 220.34%-203.4pp |
| Employer contribution / active EE | $1,566 | $2,904-46.1% | $2,454-36.2% | $4,156-62.3% |
| Participant deferral / active EE | $3,778 | $4,726-20.1% | $4,088-7.6% | $6,407-41.0% |
| Admin fee / account holder | $3,690 | $8,403-56.1% | $7,189-48.7% | $12,270-69.9% |