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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 | $28,946 | $95,762-69.8% | $379,746-92.4% | $79,856-63.8% |
| Participation rate | 71.4% | 74.0%-2.6pp | 78.4%-7.0pp | 69.6%+1.8pp |
| Annual return | 14.42% | 18.26%-3.8pp | 34.90%-20.5pp | 31.71%-17.3pp |
| Employer contribution / active EE | $1,382 | $2,695-48.7% | $3,540-61.0% | $2,471-44.1% |
| Participant deferral / active EE | $1,951 | $4,705-58.5% | $6,024-67.6% | $3,741-47.8% |
| Admin fee / account holder | $1,957 | $6,745-71.0% | $7,927-75.3% | $5,306-63.1% |