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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 | $40,488 | $99,345-59.2% | $84,753-52.2% | $273,972-85.2% |
| Participation rate | 88.2% | 80.7%+7.5pp | 76.6%+11.6pp | 83.0%+5.2pp |
| Annual return | 6.98% | 22.93%-16.0pp | 22.78%-15.8pp | 41.46%-34.5pp |
| Employer contribution / active EE | $1,762 | $4,214-58.2% | $3,574-50.7% | $4,869-63.8% |
| Participant deferral / active EE | $2,102 | $4,270-50.8% | $3,712-43.4% | $5,287-60.2% |
| Admin fee / account holder | $1,209 | $6,645-81.8% | $5,333-77.3% | $10,133-88.1% |