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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 | $43,515 | $76,551-43.2% | $123,894-64.9% | $62,881-30.8% |
| Participation rate | 71.4% | 73.0%-1.6pp | 81.4%-10.0pp | 69.3%+2.1pp |
| Annual return | 11.33% | 18.68%-7.3pp | 47.52%-36.2pp | 20.14%-8.8pp |
| Employer contribution / active EE | $3,082 | $2,882+6.9% | $4,617-33.2% | $2,281+35.1% |
| Participant deferral / active EE | $5,744 | $4,840+18.7% | $5,984-4.0% | $3,203+79.3% |
| Admin fee / account holder | $2,248 | $4,826-53.4% | $8,357-73.1% | $4,296-47.7% |