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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 | $36,430 | $106,749-65.9% | $145,433-75.0% | $82,448-55.8% |
| Participation rate | 87.2% | 75.6%+11.5pp | 82.1%+5.1pp | 68.1%+19.1pp |
| Annual return | 18.21% | 27.59%-9.4pp | 66.58%-48.4pp | 41.64%-23.4pp |
| Employer contribution / active EE | $2,473 | $3,444-28.2% | $4,554-45.7% | $2,551-3.1% |
| Participant deferral / active EE | $4,813 | $6,519-26.2% | $7,897-39.1% | $4,139+16.3% |
| Admin fee / account holder | $4,136 | $8,390-50.7% | $13,129-68.5% | $7,234-42.8% |