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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 | $27,967 | $106,524-73.7% | $152,301-81.6% | $87,485-68.0% |
| Participation rate | 87.5% | 75.8%+11.7pp | 82.4%+5.1pp | 68.9%+18.6pp |
| Annual return | 15.16% | 26.89%-11.7pp | 80.50%-65.3pp | 26.06%-10.9pp |
| Employer contribution / active EE | $1,531 | $3,371-54.6% | $4,624-66.9% | $2,596-41.0% |
| Participant deferral / active EE | $4,541 | $6,525-30.4% | $8,004-43.3% | $4,274+6.3% |
| Admin fee / account holder | $2,550 | $8,287-69.2% | $14,398-82.3% | $7,775-67.2% |