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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 | $24,826 | $57,541-56.9% | $95,759-74.1% | $75,177-67.0% |
| Participation rate | 71.0% | 62.5%+8.5pp | 72.3%-1.3pp | 67.2%+3.8pp |
| Annual return | 14.75% | 34.93%-20.2pp | 28.42%-13.7pp | 160.75%-146.0pp |
| Employer contribution / active EE | $1,130 | $1,808-37.5% | $2,836-60.2% | $2,671-57.7% |
| Participant deferral / active EE | $1,291 | $3,074-58.0% | $4,244-69.6% | $4,126-68.7% |
| Admin fee / account holder | $3,787 | $4,099-7.6% | $5,678-33.3% | $5,651-33.0% |