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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 | $27,376 | $81,358-66.4% | $155,556-82.4% | $80,959-66.2% |
| Participation rate | 72.6% | 66.3%+6.4pp | 78.2%-5.6pp | 67.7%+5.0pp |
| Annual return | 11.42% | 33.39%-22.0pp | 64.84%-53.4pp | 35.67%-24.2pp |
| Employer contribution / active EE | $1,523 | $3,106-51.0% | $4,675-67.4% | $2,757-44.7% |
| Participant deferral / active EE | $3,101 | $3,455-10.3% | $5,631-44.9% | $4,300-27.9% |
| Admin fee / account holder | $1,289 | $7,994-83.9% | $15,885-91.9% | $6,925-81.4% |