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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 | $38,203 | $112,729-66.1% | $98,716-61.3% | $137,256-72.2% |
| Participation rate | 84.6% | 74.2%+10.4pp | 69.3%+15.3pp | 80.0%+4.7pp |
| Annual return | 23.55% | 38.48%-14.9pp | 31.81%-8.3pp | 220.34%-196.8pp |
| Employer contribution / active EE | $1,944 | $2,725-28.7% | $2,279-14.7% | $4,156-53.2% |
| Participant deferral / active EE | $6,639 | $4,640+43.1% | $4,048+64.0% | $6,407+3.6% |
| Admin fee / account holder | $550 | $10,129-94.6% | $8,703-93.7% | $12,270-95.5% |