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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 | $68,718 | $83,485-17.7% | $125,195-45.1% | $72,976-5.8% |
| Participation rate | 77.1% | 73.3%+3.8pp | 79.8%-2.6pp | 69.5%+7.7pp |
| Annual return | 32.67% | 25.77%+6.9pp | 43.79%-11.1pp | 81.02%-48.3pp |
| Employer contribution / active EE | $1,037 | $2,346-55.8% | $3,866-73.2% | $2,440-57.5% |
| Participant deferral / active EE | $3,257 | $3,586-9.2% | $4,937-34.0% | $3,608-9.7% |
| Admin fee / account holder | $1,994 | $5,518-63.9% | $9,704-79.4% | $5,124-61.1% |