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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 | $42,526 | $70,002-39.2% | $115,037-63.0% | $52,331-18.7% |
| Participation rate | 74.3% | 72.1%+2.1pp | 81.4%-7.1pp | 68.1%+6.1pp |
| Annual return | 22.99% | 4.04%+18.9pp | 26.14%-3.2pp | 4.54%+18.4pp |
| Employer contribution / active EE | $1,559 | $2,715-42.6% | $4,608-66.2% | $1,882-17.1% |
| Participant deferral / active EE | $2,793 | $4,920-43.2% | $6,026-53.7% | $3,022-7.6% |
| Admin fee / account holder | $3,498 | $566+517.9% | $8,175-57.2% | $592+491.2% |