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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 | $40,511 | $93,598-56.7% | $135,974-70.2% | $75,173-46.1% |
| Participation rate | 85.9% | 75.2%+10.7pp | 81.9%+4.0pp | 67.2%+18.7pp |
| Annual return | 22.38% | 30.89%-8.5pp | 68.30%-45.9pp | 160.72%-138.3pp |
| Employer contribution / active EE | $2,979 | $3,538-15.8% | $4,859-38.7% | $2,671+11.5% |
| Participant deferral / active EE | $5,958 | $6,405-7.0% | $7,760-23.2% | $4,126+44.4% |
| Admin fee / account holder | $2,231 | $6,978-68.0% | $10,767-79.3% | $5,651-60.5% |