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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 | $43,689 | $136,307-67.9% | $106,619-59.0% | $273,972-84.1% |
| Participation rate | 85.0% | 84.8%+0.2pp | 78.0%+7.0pp | 83.0%+2.0pp |
| Annual return | 10.31% | 11.05%-0.7pp | 9.42%+0.9pp | 41.46%-31.1pp |
| Employer contribution / active EE | $1,727 | $5,190-66.7% | $3,947-56.2% | $4,869-64.5% |
| Participant deferral / active EE | $4,619 | $4,969-7.0% | $3,930+17.5% | $5,287-12.6% |
| Admin fee / account holder | $1,513 | $8,625-82.5% | $6,418-76.4% | $10,133-85.1% |