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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 | $30,311 | $76,407-60.3% | $150,298-79.8% | $82,448-63.2% |
| Participation rate | 88.9% | 66.4%+22.5pp | 77.8%+11.1pp | 68.1%+20.8pp |
| Annual return | 19.58% | 39.99%-20.4pp | 62.79%-43.2pp | 41.64%-22.1pp |
| Employer contribution / active EE | $1,257 | $2,614-51.9% | $4,154-69.7% | $2,551-50.7% |
| Participant deferral / active EE | $1,829 | $3,214-43.1% | $5,453-66.4% | $4,139-55.8% |
| Admin fee / account holder | $3,858 | $6,352-39.3% | $14,116-72.7% | $7,234-46.7% |