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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 | $45,710 | $106,524-57.1% | $152,301-70.0% | $87,485-47.8% |
| Participation rate | 80.0% | 75.8%+4.2pp | 82.4%-2.4pp | 68.9%+11.1pp |
| Annual return | 14.36% | 26.89%-12.5pp | 80.50%-66.1pp | 26.06%-11.7pp |
| Employer contribution / active EE | $2,671 | $3,371-20.8% | $4,624-42.2% | $2,596+2.9% |
| Participant deferral / active EE | $5,408 | $6,525-17.1% | $8,004-32.4% | $4,274+26.5% |
| Admin fee / account holder | $12,724 | $8,287+53.5% | $14,398-11.6% | $7,775+63.7% |