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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 | $37,517 | $97,648-61.6% | $121,663-69.2% | $87,485-57.1% |
| Participation rate | 81.8% | 70.5%+11.3pp | 74.5%+7.3pp | 68.9%+12.9pp |
| Annual return | 15.72% | 18.03%-2.3pp | 147.54%-131.8pp | 26.06%-10.3pp |
| Employer contribution / active EE | $1,050 | $2,300-54.4% | $3,020-65.2% | $2,596-59.6% |
| Participant deferral / active EE | $4,382 | $3,923+11.7% | $4,887-10.3% | $4,274+2.5% |
| Admin fee / account holder | $3,244 | $11,100-70.8% | $14,289-77.3% | $7,775-58.3% |