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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 | $54,102 | $95,453-43.3% | $112,040-51.7% | $82,448-34.4% |
| Participation rate | 71.4% | 72.8%-1.3pp | 76.5%-5.1pp | 68.1%+3.4pp |
| Annual return | 15.42% | 23.92%-8.5pp | 24.52%-9.1pp | 41.64%-26.2pp |
| Employer contribution / active EE | $1,082 | $2,318-53.3% | $2,954-63.4% | $2,551-57.6% |
| Participant deferral / active EE | $2,514 | $4,224-40.5% | $5,098-50.7% | $4,139-39.3% |
| Admin fee / account holder | $2,594 | $9,013-71.2% | $12,098-78.6% | $7,234-64.1% |