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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 | $39,088 | $96,289-59.4% | $213,469-81.7% | $87,485-55.3% |
| Participation rate | 75.0% | 69.6%+5.4pp | 77.1%-2.1pp | 68.9%+6.1pp |
| Annual return | 15.30% | 17.78%-2.5pp | 20.58%-5.3pp | 26.06%-10.8pp |
| Employer contribution / active EE | $1,140 | $3,035-62.4% | $4,994-77.2% | $2,596-56.1% |
| Participant deferral / active EE | $3,235 | $4,750-31.9% | $6,841-52.7% | $4,274-24.3% |
| Admin fee / account holder | $950 | $9,670-90.2% | $27,141-96.5% | $7,775-87.8% |