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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 | $40,922 | $62,166-34.2% | $81,286-49.7% | $74,429-45.0% |
| Participation rate | 73.3% | 64.1%+9.2pp | 69.5%+3.7pp | 67.2%+6.1pp |
| Annual return | 12.97% | 16.50%-3.5pp | 24.80%-11.8pp | 1368.38%-1355.4pp |
| Employer contribution / active EE | $1,501 | $1,881-20.2% | $2,463-39.1% | $2,625-42.8% |
| Participant deferral / active EE | $3,749 | $3,223+16.3% | $3,883-3.5% | $4,348-13.8% |
| Admin fee / account holder | $1,373 | $1,925-28.6% | $5,764-76.2% | $1,944-29.4% |