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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 | $41,827 | $53,774-22.2% | $134,162-68.8% | $79,856-47.6% |
| Participation rate | 77.8% | 58.8%+19.0pp | 72.2%+5.6pp | 69.6%+8.1pp |
| Annual return | 14.35% | 19.01%-4.7pp | 36.35%-22.0pp | 31.71%-17.4pp |
| Employer contribution / active EE | $1,068 | $1,322-19.2% | $3,705-71.2% | $2,471-56.8% |
| Participant deferral / active EE | $3,112 | $2,420+28.6% | $3,500-11.1% | $3,741-16.8% |
| Admin fee / account holder | $5,789 | $3,985+45.3% | $6,685-13.4% | $5,306+9.1% |