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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 | $31,471 | $106,749-70.5% | $145,433-78.4% | $82,448-61.8% |
| Participation rate | 86.9% | 75.6%+11.3pp | 82.1%+4.8pp | 68.1%+18.8pp |
| Annual return | 21.33% | 27.59%-6.3pp | 66.58%-45.2pp | 41.64%-20.3pp |
| Employer contribution / active EE | $1,829 | $3,444-46.9% | $4,554-59.8% | $2,551-28.3% |
| Participant deferral / active EE | $3,733 | $6,519-42.7% | $7,897-52.7% | $4,139-9.8% |
| Admin fee / account holder | $1,878 | $8,390-77.6% | $13,129-85.7% | $7,234-74.0% |