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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 | $20,421 | $81,233-74.9% | $155,567-86.9% | $80,874-74.7% |
| Participation rate | 81.5% | 66.2%+15.2pp | 78.2%+3.3pp | 67.6%+13.8pp |
| Annual return | 24.17% | 33.33%-9.2pp | 64.74%-40.6pp | 35.62%-11.4pp |
| Employer contribution / active EE | $2,411 | $3,101-22.2% | $4,674-48.4% | $2,756-12.5% |
| Participant deferral / active EE | $3,897 | $3,452+12.9% | $5,628-30.8% | $4,297-9.3% |
| Admin fee / account holder | $5,147 | $7,998-35.6% | $15,916-67.7% | $6,935-25.8% |