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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 | $36,966 | $57,541-35.8% | $95,740-61.4% | $75,173-50.8% |
| Participation rate | 76.8% | 62.5%+14.3pp | 72.3%+4.6pp | 67.2%+9.6pp |
| Annual return | 24.11% | 34.93%-10.8pp | 28.41%-4.3pp | 160.72%-136.6pp |
| Employer contribution / active EE | $2,055 | $1,808+13.7% | $2,836-27.6% | $2,671-23.1% |
| Participant deferral / active EE | $4,601 | $3,074+49.7% | $4,244+8.4% | $4,126+11.5% |
| Admin fee / account holder | $1,634 | $4,099-60.1% | $5,676-71.2% | $5,651-71.1% |