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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 | $30,786 | $93,617-67.1% | $135,982-77.4% | $75,177-59.0% |
| Participation rate | 71.4% | 75.2%-3.8pp | 81.9%-10.5pp | 67.2%+4.2pp |
| Annual return | 18.76% | 30.89%-12.1pp | 68.32%-49.6pp | 160.75%-142.0pp |
| Employer contribution / active EE | $1,391 | $3,538-60.7% | $4,859-71.4% | $2,671-47.9% |
| Participant deferral / active EE | $3,094 | $6,406-51.7% | $7,760-60.1% | $4,126-25.0% |
| Admin fee / account holder | $517 | $6,980-92.6% | $10,767-95.2% | $5,651-90.8% |