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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 | $36,249 | $99,875-63.7% | $146,866-75.3% | $86,983-58.3% |
| Participation rate | 83.8% | 75.8%+8.0pp | 82.5%+1.3pp | 69.5%+14.2pp |
| Annual return | 21.95% | 28.10%-6.1pp | 102.85%-80.9pp | 25.83%-3.9pp |
| Employer contribution / active EE | $1,639 | $3,224-49.2% | $4,425-63.0% | $2,584-36.6% |
| Participant deferral / active EE | $4,176 | $6,322-34.0% | $7,759-46.2% | $4,194-0.4% |
| Admin fee / account holder | $579 | $7,838-92.6% | $13,620-95.7% | $7,856-92.6% |