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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 | $38,548 | $101,798-62.1% | $165,071-76.6% | $80,935-52.4% |
| Participation rate | 75.6% | 71.8%+3.8pp | 78.6%-3.0pp | 67.7%+7.9pp |
| Annual return | 11.08% | 16.73%-5.6pp | 70.17%-59.1pp | 35.66%-24.6pp |
| Employer contribution / active EE | $1,732 | $2,954-41.4% | $4,347-60.2% | $2,757-37.2% |
| Participant deferral / active EE | $5,100 | $4,476+13.9% | $6,035-15.5% | $4,299+18.6% |
| Admin fee / account holder | $1,265 | $8,221-84.6% | $12,695-90.0% | $6,924-81.7% |