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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 | $31,318 | $77,817-59.8% | $123,553-74.7% | $64,173-51.2% |
| Participation rate | 76.5% | 74.7%+1.8pp | 82.3%-5.8pp | 69.6%+6.9pp |
| Annual return | 6.43% | 12.49%-6.1pp | 119.21%-112.8pp | 7.63%-1.2pp |
| Employer contribution / active EE | $2,305 | $3,014-23.5% | $4,628-50.2% | $2,381-3.2% |
| Participant deferral / active EE | $5,469 | $5,240+4.4% | $6,426-14.9% | $3,470+57.6% |
| Admin fee / account holder | $2,986 | $5,519-45.9% | $9,284-67.8% | $4,887-38.9% |