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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 | $106,974-61.4% | $90,796-54.6% | $138,895-70.3% |
| Participation rate | 73.3% | 74.9%-1.5pp | 69.5%+3.8pp | 79.9%-6.6pp |
| Annual return | 19.55% | 20.10%-0.6pp | 19.29%+0.3pp | 145.39%-125.8pp |
| Employer contribution / active EE | $1,301 | $2,609-50.1% | $2,294-43.3% | $4,194-69.0% |
| Participant deferral / active EE | $5,400 | $4,455+21.2% | $3,822+41.3% | $6,396-15.6% |
| Admin fee / account holder | $405 | $8,626-95.3% | $7,024-94.2% | $12,562-96.8% |