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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 | $37,627 | $93,617-59.8% | $135,982-72.3% | $75,177-49.9% |
| Participation rate | 71.0% | 75.2%-4.2pp | 81.9%-11.0pp | 67.2%+3.8pp |
| Annual return | 18.39% | 30.89%-12.5pp | 68.32%-49.9pp | 160.75%-142.4pp |
| Employer contribution / active EE | $1,535 | $3,538-56.6% | $4,859-68.4% | $2,671-42.5% |
| Participant deferral / active EE | $4,456 | $6,406-30.4% | $7,760-42.6% | $4,126+8.0% |
| Admin fee / account holder | $1,123 | $6,980-83.9% | $10,767-89.6% | $5,651-80.1% |