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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 | $34,129 | $84,236-59.5% | $170,435-80.0% | $70,126-51.3% |
| Participation rate | 86.7% | 70.8%+15.9pp | 83.6%+3.1pp | 69.5%+17.2pp |
| Annual return | 18.08% | 23.06%-5.0pp | 205.94%-187.9pp | 73.15%-55.1pp |
| Employer contribution / active EE | $1,288 | $3,387-62.0% | $5,432-76.3% | $2,343-45.0% |
| Participant deferral / active EE | $1,985 | $3,086-35.7% | $4,939-59.8% | $3,332-40.4% |
| Admin fee / account holder | $549 | $5,698-90.4% | $13,881-96.0% | $4,645-88.2% |