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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 | $37,731 | $88,370-57.3% | $112,977-66.6% | $79,856-52.8% |
| Participation rate | 71.9% | 76.8%-4.9pp | 82.6%-10.7pp | 69.6%+2.2pp |
| Annual return | 21.41% | 23.16%-1.8pp | 24.24%-2.8pp | 31.71%-10.3pp |
| Employer contribution / active EE | $1,256 | $3,398-63.0% | $4,255-70.5% | $2,471-49.2% |
| Participant deferral / active EE | $5,175 | $4,536+14.1% | $5,836-11.3% | $3,741+38.4% |
| Admin fee / account holder | $596 | $5,750-89.6% | $6,294-90.5% | $5,306-88.8% |