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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 | $40,481 | $86,940-53.4% | $102,434-60.5% | $80,935-50.0% |
| Participation rate | 74.4% | 72.4%+2.0pp | 76.5%-2.1pp | 67.7%+6.7pp |
| Annual return | 13.09% | 18.89%-5.8pp | 29.46%-16.4pp | 35.66%-22.6pp |
| Employer contribution / active EE | $2,866 | $2,370+20.9% | $3,023-5.2% | $2,757+4.0% |
| Participant deferral / active EE | $4,952 | $4,121+20.2% | $5,055-2.0% | $4,299+15.2% |
| Admin fee / account holder | $1,179 | $8,047-85.3% | $9,462-87.5% | $6,924-83.0% |