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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 | $39,127 | $112,729-65.3% | $98,716-60.4% | $137,256-71.5% |
| Participation rate | 85.7% | 74.2%+11.5pp | 69.3%+16.4pp | 80.0%+5.8pp |
| Annual return | 14.72% | 38.48%-23.8pp | 31.81%-17.1pp | 220.34%-205.6pp |
| Employer contribution / active EE | $1,380 | $2,725-49.4% | $2,279-39.4% | $4,156-66.8% |
| Participant deferral / active EE | $3,440 | $4,640-25.9% | $4,048-15.0% | $6,407-46.3% |
| Admin fee / account holder | $358 | $10,129-96.5% | $8,703-95.9% | $12,270-97.1% |