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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 | $106,524-70.5% | $152,301-79.3% | $87,485-64.0% |
| Participation rate | 86.9% | 75.8%+11.2pp | 82.4%+4.5pp | 68.9%+18.0pp |
| Annual return | 21.33% | 26.89%-5.6pp | 80.50%-59.2pp | 26.06%-4.7pp |
| Employer contribution / active EE | $1,829 | $3,371-45.8% | $4,624-60.5% | $2,596-29.6% |
| Participant deferral / active EE | $3,733 | $6,525-42.8% | $8,004-53.4% | $4,274-12.7% |
| Admin fee / account holder | $1,878 | $8,287-77.3% | $14,398-87.0% | $7,775-75.8% |