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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 | $38,746 | $52,467-26.2% | $57,196-32.3% | $55,167-29.8% |
| Participation rate | 74.5% | 75.8%-1.3pp | 75.3%-0.8pp | 69.0%+5.5pp |
| Annual return | 24.19% | 7.72%+16.5pp | 14.59%+9.6pp | 169.23%-145.0pp |
| Employer contribution / active EE | $1,534 | $2,477-38.1% | $2,683-42.8% | $1,963-21.8% |
| Participant deferral / active EE | $3,156 | $2,830+11.5% | $3,096+1.9% | $3,054+3.3% |
| Admin fee / account holder | $994 | $269+269.6% | $3,141-68.3% | $504+97.3% |