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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 | $106,864-63.9% | $147,318-73.8% | $82,637-53.4% |
| Participation rate | 79.8% | 75.5%+4.3pp | 82.1%-2.3pp | 68.1%+11.7pp |
| Annual return | 18.02% | 27.49%-9.5pp | 70.43%-52.4pp | 53.51%-35.5pp |
| Employer contribution / active EE | $2,124 | $3,417-37.8% | $4,593-53.7% | $2,552-16.8% |
| Participant deferral / active EE | $4,432 | $6,496-31.8% | $7,906-43.9% | $4,126+7.4% |
| Admin fee / account holder | $2,967 | $8,415-64.7% | $13,708-78.4% | $7,339-59.6% |