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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 | $30,740 | $106,749-71.2% | $145,433-78.9% | $82,448-62.7% |
| Participation rate | 75.0% | 75.6%-0.6pp | 82.1%-7.1pp | 68.1%+6.9pp |
| Annual return | 18.54% | 27.59%-9.0pp | 66.58%-48.0pp | 41.64%-23.1pp |
| Employer contribution / active EE | $1,818 | $3,444-47.2% | $4,554-60.1% | $2,551-28.7% |
| Participant deferral / active EE | $4,227 | $6,519-35.2% | $7,897-46.5% | $4,139+2.1% |
| Admin fee / account holder | $1,388 | $8,390-83.5% | $13,129-89.4% | $7,234-80.8% |