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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 | $24,395 | $88,996-72.6% | $78,004-68.7% | $138,895-82.4% |
| Participation rate | 76.9% | 74.4%+2.6pp | 69.4%+7.5pp | 79.9%-3.0pp |
| Annual return | 23.76% | 28.03%-4.3pp | 31.07%-7.3pp | 145.39%-121.6pp |
| Employer contribution / active EE | $2,396 | $2,917-17.8% | $2,469-2.9% | $4,194-42.9% |
| Participant deferral / active EE | $3,021 | $4,724-36.1% | $4,092-26.2% | $6,396-52.8% |
| Admin fee / account holder | $1,192 | $8,807-86.5% | $7,578-84.3% | $12,562-90.5% |