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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 | $45,364 | $106,864-57.5% | $147,318-69.2% | $82,637-45.1% |
| Participation rate | 93.3% | 75.5%+17.8pp | 82.1%+11.3pp | 68.1%+25.3pp |
| Annual return | 24.15% | 27.49%-3.3pp | 70.43%-46.3pp | 53.51%-29.4pp |
| Employer contribution / active EE | $1,690 | $3,417-50.5% | $4,593-63.2% | $2,552-33.8% |
| Participant deferral / active EE | $4,939 | $6,496-24.0% | $7,906-37.5% | $4,126+19.7% |
| Admin fee / account holder | $2,406 | $8,415-71.4% | $13,708-82.4% | $7,339-67.2% |