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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 | $38,542 | $106,749-63.9% | $145,433-73.5% | $82,448-53.3% |
| Participation rate | 79.8% | 75.6%+4.1pp | 82.1%-2.3pp | 68.1%+11.7pp |
| Annual return | 18.02% | 27.59%-9.6pp | 66.58%-48.6pp | 41.64%-23.6pp |
| Employer contribution / active EE | $2,124 | $3,444-38.3% | $4,554-53.4% | $2,551-16.7% |
| Participant deferral / active EE | $4,432 | $6,519-32.0% | $7,897-43.9% | $4,139+7.1% |
| Admin fee / account holder | $2,967 | $8,390-64.6% | $13,129-77.4% | $7,234-59.0% |