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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 | $42,521 | $57,590-26.2% | $86,233-50.7% | $82,448-48.4% |
| Participation rate | 76.7% | 57.9%+18.8pp | 69.0%+7.6pp | 68.1%+8.6pp |
| Annual return | 17.17% | 22.41%-5.2pp | 61.39%-44.2pp | 41.64%-24.5pp |
| Employer contribution / active EE | $1,479 | $1,655-10.7% | $2,504-40.9% | $2,551-42.0% |
| Participant deferral / active EE | $4,703 | $3,080+52.7% | $4,559+3.2% | $4,139+13.6% |
| Admin fee / account holder | $5,263 | $4,730+11.3% | $8,342-36.9% | $7,234-27.3% |