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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 | $29,553 | $81,331-63.7% | $155,534-81.0% | $80,935-63.5% |
| Participation rate | 72.0% | 66.3%+5.7pp | 78.2%-6.2pp | 67.7%+4.3pp |
| Annual return | 12.91% | 33.37%-20.5pp | 64.92%-52.0pp | 35.66%-22.7pp |
| Employer contribution / active EE | $1,672 | $3,105-46.1% | $4,675-64.2% | $2,757-39.3% |
| Participant deferral / active EE | $4,326 | $3,454+25.2% | $5,630-23.2% | $4,299+0.6% |
| Admin fee / account holder | $2,224 | $7,999-72.2% | $15,900-86.0% | $6,924-67.9% |