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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 | $42,527 | $84,236-49.5% | $170,439-75.0% | $70,124-39.4% |
| Participation rate | 78.6% | 70.8%+7.7pp | 83.6%-5.0pp | 69.5%+9.0pp |
| Annual return | 16.89% | 23.06%-6.2pp | 205.94%-189.0pp | 73.14%-56.3pp |
| Employer contribution / active EE | $1,976 | $3,387-41.7% | $5,433-63.6% | $2,342-15.6% |
| Participant deferral / active EE | $3,321 | $3,086+7.6% | $4,939-32.8% | $3,332-0.3% |
| Admin fee / account holder | $701 | $5,698-87.7% | $13,881-95.0% | $4,645-84.9% |