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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 | $28,902 | $76,407-62.2% | $150,298-80.8% | $82,448-64.9% |
| Participation rate | 72.0% | 66.4%+5.6pp | 77.8%-5.8pp | 68.1%+3.9pp |
| Annual return | 17.24% | 39.99%-22.8pp | 62.79%-45.5pp | 41.64%-24.4pp |
| Employer contribution / active EE | $1,765 | $2,614-32.5% | $4,154-57.5% | $2,551-30.8% |
| Participant deferral / active EE | $2,132 | $3,214-33.7% | $5,453-60.9% | $4,139-48.5% |
| Admin fee / account holder | $2,463 | $6,352-61.2% | $14,116-82.6% | $7,234-66.0% |