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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 | $37,306 | $91,086-59.0% | $203,872-81.7% | $86,983-57.1% |
| Participation rate | 75.9% | 65.8%+10.0pp | 77.8%-1.9pp | 69.5%+6.3pp |
| Annual return | 14.84% | 22.30%-7.5pp | 85.11%-70.3pp | 25.83%-11.0pp |
| Employer contribution / active EE | $1,884 | $2,063-8.7% | $3,757-49.9% | $2,584-27.1% |
| Participant deferral / active EE | $3,224 | $4,019-19.8% | $6,388-49.5% | $4,194-23.1% |
| Admin fee / account holder | $7,870 | $8,987-12.4% | $11,730-32.9% | $7,856+0.2% |