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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 | $48,924 | $93,617-47.7% | $135,982-64.0% | $75,177-34.9% |
| Participation rate | 88.6% | 75.2%+13.4pp | 81.9%+6.6pp | 67.2%+21.4pp |
| Annual return | 18.05% | 30.89%-12.8pp | 68.32%-50.3pp | 160.75%-142.7pp |
| Employer contribution / active EE | $3,143 | $3,538-11.2% | $4,859-35.3% | $2,671+17.7% |
| Participant deferral / active EE | $5,137 | $6,406-19.8% | $7,760-33.8% | $4,126+24.5% |
| Admin fee / account holder | $1,722 | $6,980-75.3% | $10,767-84.0% | $5,651-69.5% |