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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 | $44,153 | $106,749-58.6% | $145,433-69.6% | $82,448-46.4% |
| Participation rate | 80.8% | 75.6%+5.1pp | 82.1%-1.4pp | 68.1%+12.7pp |
| Annual return | 17.99% | 27.59%-9.6pp | 66.58%-48.6pp | 41.64%-23.6pp |
| Employer contribution / active EE | $1,487 | $3,444-56.8% | $4,554-67.3% | $2,551-41.7% |
| Participant deferral / active EE | $9,412 | $6,519+44.4% | $7,897+19.2% | $4,139+127.4% |
| Admin fee / account holder | $2,455 | $8,390-70.7% | $13,129-81.3% | $7,234-66.1% |