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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 | $39,195 | $124,980-68.6% | $108,359-63.8% | $154,746-74.7% |
| Participation rate | 73.7% | 75.2%-1.5pp | 70.1%+3.6pp | 80.7%-7.0pp |
| Annual return | 12.45% | 45.00%-32.5pp | 36.89%-24.4pp | 172.34%-159.9pp |
| Employer contribution / active EE | $1,428 | $2,851-49.9% | $2,399-40.5% | $4,379-67.4% |
| Participant deferral / active EE | $1,882 | $4,743-60.3% | $4,137-54.5% | $6,730-72.0% |
| Admin fee / account holder | $1,552 | $11,502-86.5% | $9,741-84.1% | $14,365-89.2% |