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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 | $106,749-57.5% | $145,433-68.8% | $82,448-45.0% |
| Participation rate | 93.3% | 75.6%+17.7pp | 82.1%+11.2pp | 68.1%+25.3pp |
| Annual return | 24.15% | 27.59%-3.4pp | 66.58%-42.4pp | 41.64%-17.5pp |
| Employer contribution / active EE | $1,690 | $3,444-50.9% | $4,554-62.9% | $2,551-33.7% |
| Participant deferral / active EE | $4,939 | $6,519-24.2% | $7,897-37.5% | $4,139+19.3% |
| Admin fee / account holder | $2,406 | $8,390-71.3% | $13,129-81.7% | $7,234-66.7% |