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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 | $38,007 | $90,400-58.0% | $186,193-79.6% | $87,485-56.6% |
| Participation rate | 79.5% | 66.2%+13.4pp | 77.1%+2.4pp | 68.9%+10.6pp |
| Annual return | 13.89% | 22.15%-8.3pp | 78.03%-64.1pp | 26.06%-12.2pp |
| Employer contribution / active EE | $1,738 | $2,170-19.9% | $3,918-55.6% | $2,596-33.0% |
| Participant deferral / active EE | $2,857 | $4,330-34.0% | $6,513-56.1% | $4,274-33.2% |
| Admin fee / account holder | $1,740 | $8,673-79.9% | $11,058-84.3% | $7,775-77.6% |