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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 | $35,660 | $99,345-64.1% | $84,753-57.9% | $273,972-87.0% |
| Participation rate | 85.7% | 80.7%+5.0pp | 76.6%+9.1pp | 83.0%+2.7pp |
| Annual return | 8.79% | 22.93%-14.1pp | 22.78%-14.0pp | 41.46%-32.7pp |
| Employer contribution / active EE | $1,241 | $4,214-70.5% | $3,574-65.3% | $4,869-74.5% |
| Participant deferral / active EE | $5,029 | $4,270+17.8% | $3,712+35.5% | $5,287-4.9% |
| Admin fee / account holder | $750 | $6,645-88.7% | $5,333-85.9% | $10,133-92.6% |