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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 | $35,341 | $81,262-56.5% | $155,602-77.3% | $80,911-56.3% |
| Participation rate | 75.0% | 66.2%+8.8pp | 78.2%-3.2pp | 67.6%+7.4pp |
| Annual return | 14.10% | 33.34%-19.2pp | 64.81%-50.7pp | 35.63%-21.5pp |
| Employer contribution / active EE | $1,749 | $3,102-43.6% | $4,675-62.6% | $2,756-36.5% |
| Participant deferral / active EE | $3,433 | $3,451-0.5% | $5,629-39.0% | $4,297-20.1% |
| Admin fee / account holder | $793 | $7,992-90.1% | $15,923-95.0% | $6,935-88.6% |