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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 | $33,822 | $101,752-66.8% | $164,928-79.5% | $80,911-58.2% |
| Participation rate | 72.0% | 71.8%+0.2pp | 78.6%-6.6pp | 67.6%+4.4pp |
| Annual return | 14.78% | 16.73%-1.9pp | 70.08%-55.3pp | 35.63%-20.8pp |
| Employer contribution / active EE | $3,692 | $2,953+25.0% | $4,343-15.0% | $2,756+34.0% |
| Participant deferral / active EE | $7,011 | $4,477+56.6% | $6,034+16.2% | $4,297+63.2% |
| Admin fee / account holder | $3,269 | $8,218-60.2% | $12,684-74.2% | $6,935-52.9% |