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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 | $37,793 | $72,273-47.7% | $101,275-62.7% | $79,856-52.7% |
| Participation rate | 72.4% | 68.5%+4.0pp | 75.8%-3.4pp | 69.6%+2.8pp |
| Annual return | 16.74% | 22.30%-5.6pp | 46.48%-29.7pp | 31.71%-15.0pp |
| Employer contribution / active EE | $1,811 | $2,691-32.7% | $3,660-50.5% | $2,471-26.7% |
| Participant deferral / active EE | $4,950 | $3,282+50.8% | $4,371+13.2% | $3,741+32.3% |
| Admin fee / account holder | $633 | $4,401-85.6% | $5,948-89.4% | $5,306-88.1% |