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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 | $26,553 | $81,358-67.4% | $155,556-82.9% | $80,959-67.2% |
| Participation rate | 72.9% | 66.3%+6.6pp | 78.2%-5.3pp | 67.7%+5.2pp |
| Annual return | 14.85% | 33.39%-18.5pp | 64.84%-50.0pp | 35.67%-20.8pp |
| Employer contribution / active EE | $1,090 | $3,106-64.9% | $4,675-76.7% | $2,757-60.5% |
| Participant deferral / active EE | $3,169 | $3,455-8.3% | $5,631-43.7% | $4,300-26.3% |
| Admin fee / account holder | $6,361 | $7,994-20.4% | $15,885-60.0% | $6,925-8.1% |