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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 | $37,990 | $112,729-66.3% | $98,716-61.5% | $137,256-72.3% |
| Participation rate | 72.7% | 74.2%-1.5pp | 69.3%+3.4pp | 80.0%-7.2pp |
| Annual return | 22.02% | 38.48%-16.5pp | 31.81%-9.8pp | 220.34%-198.3pp |
| Employer contribution / active EE | $2,505 | $2,725-8.1% | $2,279+9.9% | $4,156-39.7% |
| Participant deferral / active EE | $4,450 | $4,640-4.1% | $4,048+9.9% | $6,407-30.6% |
| Admin fee / account holder | $2,220 | $10,129-78.1% | $8,703-74.5% | $12,270-81.9% |