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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 | $43,209 | $113,941-62.1% | $94,229-54.1% | $125,389-65.5% |
| Participation rate | 80.0% | 82.9%-2.9pp | 78.8%+1.2pp | 83.2%-3.2pp |
| Annual return | 12.49% | 5.29%+7.2pp | 10.68%+1.8pp | 282.24%-269.7pp |
| Employer contribution / active EE | $1,273 | $4,727-73.1% | $3,587-64.5% | $4,866-73.8% |
| Participant deferral / active EE | $4,234 | $5,179-18.3% | $4,320-2.0% | $5,352-20.9% |
| Admin fee / account holder | $5,782 | $8,392-31.1% | $6,269-7.8% | $9,541-39.4% |