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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 | $26,130 | $106,524-75.5% | $152,301-82.8% | $87,485-70.1% |
| Participation rate | 76.7% | 75.8%+0.9pp | 82.4%-5.8pp | 68.9%+7.7pp |
| Annual return | 20.69% | 26.89%-6.2pp | 80.50%-59.8pp | 26.06%-5.4pp |
| Employer contribution / active EE | $2,028 | $3,371-39.8% | $4,624-56.1% | $2,596-21.9% |
| Participant deferral / active EE | $4,296 | $6,525-34.2% | $8,004-46.3% | $4,274+0.5% |
| Admin fee / account holder | $935 | $8,287-88.7% | $14,398-93.5% | $7,775-88.0% |