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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 | $41,251 | $102,245-59.7% | $89,340-53.8% | $137,256-69.9% |
| Participation rate | 73.3% | 74.9%-1.6pp | 69.6%+3.8pp | 80.0%-6.6pp |
| Annual return | 19.55% | 21.89%-2.3pp | 20.57%-1.0pp | 220.34%-200.8pp |
| Employer contribution / active EE | $1,301 | $2,529-48.6% | $2,231-41.7% | $4,156-68.7% |
| Participant deferral / active EE | $5,400 | $4,436+21.7% | $3,823+41.3% | $6,407-15.7% |
| Admin fee / account holder | $405 | $8,085-95.0% | $6,704-94.0% | $12,270-96.7% |