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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 | $31,665 | $50,554-37.4% | $67,681-53.2% | $87,485-63.8% |
| Participation rate | 72.7% | 67.7%+5.0pp | 73.7%-1.0pp | 68.9%+3.8pp |
| Annual return | 15.69% | 17.81%-2.1pp | 590.58%-574.9pp | 26.06%-10.4pp |
| Employer contribution / active EE | $2,023 | $1,988+1.7% | $2,678-24.5% | $2,596-22.1% |
| Participant deferral / active EE | $3,224 | $2,961+8.9% | $3,976-18.9% | $4,274-24.6% |
| Admin fee / account holder | $1,878 | $4,132-54.6% | $6,100-69.2% | $7,775-75.8% |