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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 | $99,633-60.8% | $183,328-78.7% | $82,448-52.6% |
| Participation rate | 75.0% | 70.8%+4.2pp | 77.3%-2.3pp | 68.1%+6.9pp |
| Annual return | 15.30% | 17.84%-2.5pp | 29.67%-14.4pp | 41.64%-26.3pp |
| Employer contribution / active EE | $1,140 | $3,256-65.0% | $5,055-77.4% | $2,551-55.3% |
| Participant deferral / active EE | $3,235 | $4,938-34.5% | $6,795-52.4% | $4,139-21.9% |
| Admin fee / account holder | $950 | $9,934-90.4% | $21,427-95.6% | $7,234-86.9% |