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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 | $34,215 | $45,087-24.1% | $69,483-50.8% | $72,976-53.1% |
| Participation rate | 73.9% | 68.5%+5.4pp | 74.6%-0.7pp | 69.5%+4.4pp |
| Annual return | 28.83% | 22.67%+6.2pp | 28.99%-0.2pp | 81.02%-52.2pp |
| Employer contribution / active EE | $1,867 | $2,055-9.2% | $2,780-32.8% | $2,440-23.5% |
| Participant deferral / active EE | $5,812 | $2,603+123.3% | $3,537+64.3% | $3,608+61.1% |
| Admin fee / account holder | $527 | $3,057-82.8% | $3,841-86.3% | $5,124-89.7% |