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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 | $50,723 | $87,834-42.3% | $133,975-62.1% | $62,881-19.3% |
| Participation rate | 82.9% | 83.4%-0.4pp | 87.1%-4.1pp | 69.3%+13.6pp |
| Annual return | 6.23% | 12.05%-5.8pp | 29.29%-23.1pp | 20.14%-13.9pp |
| Employer contribution / active EE | $1,488 | $3,482-57.3% | $5,211-71.5% | $2,281-34.8% |
| Participant deferral / active EE | $4,288 | $4,812-10.9% | $6,282-31.7% | $3,203+33.9% |
| Admin fee / account holder | $3,946 | $5,372-26.6% | $9,324-57.7% | $4,296-8.1% |