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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 | $31,729 | $93,589-66.1% | $135,942-76.7% | $75,181-57.8% |
| Participation rate | 75.8% | 75.2%+0.6pp | 81.9%-6.2pp | 67.2%+8.6pp |
| Annual return | 28.44% | 30.90%-2.5pp | 68.28%-39.8pp | 160.69%-132.2pp |
| Employer contribution / active EE | $3,693 | $3,537+4.4% | $4,858-24.0% | $2,671+38.3% |
| Participant deferral / active EE | $8,690 | $6,405+35.7% | $7,759+12.0% | $4,126+110.6% |
| Admin fee / account holder | $1,121 | $6,977-83.9% | $10,764-89.6% | $5,650-80.2% |