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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 | $36,021 | $93,598-61.5% | $135,974-73.5% | $75,173-52.1% |
| Participation rate | 70.0% | 75.2%-5.2pp | 81.9%-11.9pp | 67.2%+2.8pp |
| Annual return | 19.85% | 30.89%-11.0pp | 68.30%-48.5pp | 160.72%-140.9pp |
| Employer contribution / active EE | $2,156 | $3,538-39.1% | $4,859-55.6% | $2,671-19.3% |
| Participant deferral / active EE | $4,247 | $6,405-33.7% | $7,760-45.3% | $4,126+2.9% |
| Admin fee / account holder | $567 | $6,978-91.9% | $10,767-94.7% | $5,651-90.0% |