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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 | $33,648 | $106,749-68.5% | $145,433-76.9% | $82,448-59.2% |
| Participation rate | 93.6% | 75.6%+17.9pp | 82.1%+11.5pp | 68.1%+25.5pp |
| Annual return | 20.80% | 27.59%-6.8pp | 66.58%-45.8pp | 41.64%-20.8pp |
| Employer contribution / active EE | $2,376 | $3,444-31.0% | $4,554-47.8% | $2,551-6.9% |
| Participant deferral / active EE | $4,967 | $6,519-23.8% | $7,897-37.1% | $4,139+20.0% |
| Admin fee / account holder | $2,616 | $8,390-68.8% | $13,129-80.1% | $7,234-63.8% |