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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 | $51,376 | $83,485-38.5% | $125,195-59.0% | $72,976-29.6% |
| Participation rate | 82.9% | 73.3%+9.6pp | 79.8%+3.1pp | 69.5%+13.4pp |
| Annual return | 18.51% | 25.77%-7.3pp | 43.79%-25.3pp | 81.02%-62.5pp |
| Employer contribution / active EE | $1,698 | $2,346-27.6% | $3,866-56.1% | $2,440-30.4% |
| Participant deferral / active EE | $3,132 | $3,586-12.7% | $4,937-36.6% | $3,608-13.2% |
| Admin fee / account holder | $4,640 | $5,518-15.9% | $9,704-52.2% | $5,124-9.4% |