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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 | $34,686 | $108,825-68.1% | $156,181-77.8% | $82,448-57.9% |
| Participation rate | 72.3% | 72.4%-0.1pp | 78.8%-6.5pp | 68.1%+4.2pp |
| Annual return | 16.14% | 20.59%-4.5pp | 64.87%-48.7pp | 41.64%-25.5pp |
| Employer contribution / active EE | $2,183 | $2,870-23.9% | $4,294-49.2% | $2,551-14.4% |
| Participant deferral / active EE | $4,356 | $4,577-4.8% | $6,132-29.0% | $4,139+5.2% |
| Admin fee / account holder | $1,888 | $9,341-79.8% | $14,586-87.1% | $7,234-73.9% |