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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 | $39,333 | $97,550-59.7% | $120,344-67.3% | $87,485-55.0% |
| Participation rate | 70.0% | 72.8%-2.8pp | 76.7%-6.7pp | 68.9%+1.1pp |
| Annual return | 17.82% | 18.41%-0.6pp | 20.30%-2.5pp | 26.06%-8.2pp |
| Employer contribution / active EE | $1,683 | $2,291-26.5% | $3,020-44.3% | $2,596-35.2% |
| Participant deferral / active EE | $4,349 | $4,230+2.8% | $5,135-15.3% | $4,274+1.8% |
| Admin fee / account holder | $383 | $9,543-96.0% | $12,742-97.0% | $7,775-95.1% |