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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 | $30,922 | $64,359-52.0% | $90,161-65.7% | $70,126-55.9% |
| Participation rate | 73.3% | 70.4%+2.9pp | 76.9%-3.5pp | 69.5%+3.8pp |
| Annual return | 20.48% | 28.13%-7.7pp | 34.89%-14.4pp | 73.15%-52.7pp |
| Employer contribution / active EE | $3,029 | $2,046+48.1% | $3,318-8.7% | $2,343+29.3% |
| Participant deferral / active EE | $4,050 | $4,389-7.7% | $5,287-23.4% | $3,332+21.5% |
| Admin fee / account holder | $3,857 | $3,945-2.2% | $5,943-35.1% | $4,645-17.0% |