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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 | $31,522 | $87,059-63.8% | $105,608-70.2% | $80,925-61.0% |
| Participation rate | 84.7% | 70.4%+14.3pp | 75.3%+9.4pp | 67.7%+17.1pp |
| Annual return | 12.52% | 17.05%-4.5pp | 116.50%-104.0pp | 35.65%-23.1pp |
| Employer contribution / active EE | $1,911 | $2,396-20.3% | $3,167-39.7% | $2,756-30.7% |
| Participant deferral / active EE | $4,029 | $3,986+1.1% | $5,010-19.6% | $4,299-6.3% |
| Admin fee / account holder | $1,980 | $8,443-76.5% | $11,028-82.0% | $6,940-71.5% |