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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 | $40,165 | $106,864-62.4% | $147,318-72.7% | $82,637-51.4% |
| Participation rate | 73.7% | 75.5%-1.8pp | 82.1%-8.4pp | 68.1%+5.6pp |
| Annual return | 25.04% | 27.49%-2.5pp | 70.43%-45.4pp | 53.51%-28.5pp |
| Employer contribution / active EE | $2,288 | $3,417-33.0% | $4,593-50.2% | $2,552-10.4% |
| Participant deferral / active EE | $4,552 | $6,496-29.9% | $7,906-42.4% | $4,126+10.3% |
| Admin fee / account holder | $8,315 | $8,415-1.2% | $13,708-39.3% | $7,339+13.3% |