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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 | $45,808 | $72,177-36.5% | $115,038-60.2% | $59,633-23.2% |
| Participation rate | 80.0% | 72.6%+7.4pp | 81.4%-1.4pp | 68.7%+11.3pp |
| Annual return | 5.14% | 12.02%-6.9pp | 26.14%-21.0pp | 2041.45%-2036.3pp |
| Employer contribution / active EE | $3,255 | $2,841+14.5% | $4,608-29.4% | $2,203+47.8% |
| Participant deferral / active EE | $7,840 | $4,783+63.9% | $6,026+30.1% | $3,192+145.7% |
| Admin fee / account holder | $3,224 | $4,927-34.6% | $8,175-60.6% | $4,297-25.0% |