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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 | $41,082 | $46,599-11.8% | $64,101-35.9% | $75,173-45.4% |
| Participation rate | 71.7% | 65.9%+5.8pp | 72.3%-0.6pp | 67.2%+4.5pp |
| Annual return | 21.78% | 26.06%-4.3pp | 33.72%-11.9pp | 160.72%-138.9pp |
| Employer contribution / active EE | $1,481 | $1,975-25.0% | $2,749-46.1% | $2,671-44.6% |
| Participant deferral / active EE | $3,130 | $2,837+10.3% | $3,881-19.3% | $4,126-24.1% |
| Admin fee / account holder | $1,008 | $2,956-65.9% | $3,070-67.2% | $5,651-82.2% |