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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 | $40,987 | $76,551-46.5% | $123,894-66.9% | $62,881-34.8% |
| Participation rate | 79.3% | 73.0%+6.3pp | 81.4%-2.1pp | 69.3%+10.0pp |
| Annual return | 9.52% | 18.68%-9.2pp | 47.52%-38.0pp | 20.14%-10.6pp |
| Employer contribution / active EE | $2,191 | $2,882-24.0% | $4,617-52.5% | $2,281-3.9% |
| Participant deferral / active EE | $5,072 | $4,840+4.8% | $5,984-15.2% | $3,203+58.4% |
| Admin fee / account holder | $646 | $4,826-86.6% | $8,357-92.3% | $4,296-85.0% |