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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 | $31,987 | $124,980-74.4% | $108,359-70.5% | $154,746-79.3% |
| Participation rate | 77.8% | 75.2%+2.6pp | 70.1%+7.7pp | 80.7%-2.9pp |
| Annual return | 14.94% | 45.00%-30.1pp | 36.89%-22.0pp | 172.34%-157.4pp |
| Employer contribution / active EE | $1,250 | $2,851-56.1% | $2,399-47.9% | $4,379-71.5% |
| Participant deferral / active EE | $4,358 | $4,743-8.1% | $4,137+5.3% | $6,730-35.3% |
| Admin fee / account holder | $933 | $11,502-91.9% | $9,741-90.4% | $14,365-93.5% |