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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 | $33,834 | $81,358-58.4% | $155,556-78.2% | $80,959-58.2% |
| Participation rate | 87.1% | 66.3%+20.8pp | 78.2%+8.9pp | 67.7%+19.4pp |
| Annual return | 12.89% | 33.39%-20.5pp | 64.84%-52.0pp | 35.67%-22.8pp |
| Employer contribution / active EE | $1,067 | $3,106-65.7% | $4,675-77.2% | $2,757-61.3% |
| Participant deferral / active EE | $3,266 | $3,455-5.5% | $5,631-42.0% | $4,300-24.0% |
| Admin fee / account holder | $540 | $7,994-93.2% | $15,885-96.6% | $6,925-92.2% |