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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 | $46,213 | $106,864-56.8% | $147,318-68.6% | $82,637-44.1% |
| Participation rate | 72.0% | 75.5%-3.5pp | 82.1%-10.1pp | 68.1%+3.9pp |
| Annual return | 20.48% | 27.49%-7.0pp | 70.43%-50.0pp | 53.51%-33.0pp |
| Employer contribution / active EE | $1,833 | $3,417-46.4% | $4,593-60.1% | $2,552-28.2% |
| Participant deferral / active EE | $5,855 | $6,496-9.9% | $7,906-25.9% | $4,126+41.9% |
| Admin fee / account holder | $1,555 | $8,415-81.5% | $13,708-88.7% | $7,339-78.8% |