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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 | $46,281 | $81,476-43.2% | $102,383-54.8% | $80,925-42.8% |
| Participation rate | 80.6% | 66.8%+13.7pp | 74.5%+6.0pp | 67.7%+12.9pp |
| Annual return | 14.09% | 25.59%-11.5pp | 24.94%-10.8pp | 35.65%-21.6pp |
| Employer contribution / active EE | $2,171 | $3,105-30.1% | $3,870-43.9% | $2,756-21.2% |
| Participant deferral / active EE | $4,503 | $3,871+16.3% | $5,060-11.0% | $4,299+4.8% |
| Admin fee / account holder | $700 | $6,717-89.6% | $8,391-91.7% | $6,940-89.9% |