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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 | $29,518 | $93,617-68.5% | $135,982-78.3% | $75,177-60.7% |
| Participation rate | 78.8% | 75.2%+3.6pp | 81.9%-3.1pp | 67.2%+11.6pp |
| Annual return | 28.02% | 30.89%-2.9pp | 68.32%-40.3pp | 160.75%-132.7pp |
| Employer contribution / active EE | $2,366 | $3,538-33.1% | $4,859-51.3% | $2,671-11.4% |
| Participant deferral / active EE | $3,725 | $6,406-41.8% | $7,760-52.0% | $4,126-9.7% |
| Admin fee / account holder | $7,656 | $6,980+9.7% | $10,767-28.9% | $5,651+35.5% |