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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 | $34,927 | $112,729-69.0% | $98,716-64.6% | $137,256-74.6% |
| Participation rate | 71.4% | 74.2%-2.8pp | 69.3%+2.1pp | 80.0%-8.5pp |
| Annual return | 19.80% | 38.48%-18.7pp | 31.81%-12.0pp | 220.34%-200.5pp |
| Employer contribution / active EE | $2,040 | $2,725-25.2% | $2,279-10.5% | $4,156-50.9% |
| Participant deferral / active EE | $4,987 | $4,640+7.5% | $4,048+23.2% | $6,407-22.2% |
| Admin fee / account holder | $2,268 | $10,129-77.6% | $8,703-73.9% | $12,270-81.5% |