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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 | $27,362 | $93,617-70.8% | $135,982-79.9% | $75,177-63.6% |
| Participation rate | 84.6% | 75.2%+9.4pp | 81.9%+2.7pp | 67.2%+17.4pp |
| Annual return | 16.46% | 30.89%-14.4pp | 68.32%-51.9pp | 160.75%-144.3pp |
| Employer contribution / active EE | $1,503 | $3,538-57.5% | $4,859-69.1% | $2,671-43.7% |
| Participant deferral / active EE | $3,948 | $6,406-38.4% | $7,760-49.1% | $4,126-4.3% |
| Admin fee / account holder | $1,993 | $6,980-71.4% | $10,767-81.5% | $5,651-64.7% |