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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 | $31,541 | $77,472-59.3% | $100,415-68.6% | $80,959-61.0% |
| Participation rate | 79.4% | 76.9%+2.5pp | 81.5%-2.1pp | 67.7%+11.7pp |
| Annual return | 14.13% | 37.26%-23.1pp | 49.47%-35.3pp | 35.67%-21.5pp |
| Employer contribution / active EE | $2,344 | $2,800-16.3% | $3,943-40.5% | $2,757-15.0% |
| Participant deferral / active EE | $5,254 | $6,818-22.9% | $8,091-35.1% | $4,300+22.2% |
| Admin fee / account holder | $839 | $5,885-85.7% | $7,906-89.4% | $6,925-87.9% |