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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 | $47,045 | $114,712-59.0% | $173,730-72.9% | $87,485-46.2% |
| Participation rate | 78.4% | 73.0%+5.4pp | 79.6%-1.1pp | 68.9%+9.5pp |
| Annual return | 13.39% | 20.18%-6.8pp | 19.96%-6.6pp | 26.06%-12.7pp |
| Employer contribution / active EE | $1,885 | $2,904-35.1% | $4,577-58.8% | $2,596-27.4% |
| Participant deferral / active EE | $3,747 | $4,642-19.3% | $6,326-40.8% | $4,274-12.3% |
| Admin fee / account holder | $808 | $10,210-92.1% | $17,523-95.4% | $7,775-89.6% |