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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 | $41,838 | $106,749-60.8% | $145,433-71.2% | $82,448-49.3% |
| Participation rate | 88.5% | 75.6%+12.8pp | 82.1%+6.3pp | 68.1%+20.4pp |
| Annual return | 21.69% | 27.59%-5.9pp | 66.58%-44.9pp | 41.64%-20.0pp |
| Employer contribution / active EE | $3,175 | $3,444-7.8% | $4,554-30.3% | $2,551+24.5% |
| Participant deferral / active EE | $9,968 | $6,519+52.9% | $7,897+26.2% | $4,139+140.8% |
| Admin fee / account holder | $2,892 | $8,390-65.5% | $13,129-78.0% | $7,234-60.0% |