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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 | $45,727 | $79,557-42.5% | $118,746-61.5% | $70,126-34.8% |
| Participation rate | 70.8% | 71.4%-0.6pp | 78.3%-7.5pp | 69.5%+1.2pp |
| Annual return | 15.03% | 25.64%-10.6pp | 24.54%-9.5pp | 73.15%-58.1pp |
| Employer contribution / active EE | $1,949 | $2,861-31.9% | $4,193-53.5% | $2,343-16.8% |
| Participant deferral / active EE | $4,956 | $4,089+21.2% | $5,332-7.1% | $3,332+48.8% |
| Admin fee / account holder | $1,557 | $5,374-71.0% | $10,720-85.5% | $4,645-66.5% |