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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 | $90,400-58.7% | $186,193-80.0% | $87,485-57.4% |
| Participation rate | 75.9% | 66.2%+9.7pp | 77.1%-1.2pp | 68.9%+6.9pp |
| Annual return | 14.84% | 22.15%-7.3pp | 78.03%-63.2pp | 26.06%-11.2pp |
| Employer contribution / active EE | $1,884 | $2,170-13.2% | $3,918-51.9% | $2,596-27.4% |
| Participant deferral / active EE | $3,224 | $4,330-25.5% | $6,513-50.5% | $4,274-24.6% |
| Admin fee / account holder | $7,870 | $8,673-9.3% | $11,058-28.8% | $7,775+1.2% |