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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 | $29,111 | $72,177-59.7% | $115,037-74.7% | $59,633-51.2% |
| Participation rate | 82.9% | 72.6%+10.3pp | 81.4%+1.5pp | 68.7%+14.2pp |
| Annual return | 5.74% | 12.02%-6.3pp | 26.14%-20.4pp | 2041.40%-2035.7pp |
| Employer contribution / active EE | $888 | $2,841-68.7% | $4,608-80.7% | $2,203-59.7% |
| Participant deferral / active EE | $5,987 | $4,783+25.2% | $6,026-0.6% | $3,192+87.6% |
| Admin fee / account holder | $1,521 | $4,927-69.1% | $8,175-81.4% | $4,297-64.6% |