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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 | $31,261 | $78,670-60.3% | $109,173-71.4% | $85,847-63.6% |
| Participation rate | 73.6% | 68.3%+5.3pp | 75.9%-2.3pp | 69.3%+4.3pp |
| Annual return | 32.48% | 25.09%+7.4pp | 25.75%+6.7pp | 318.61%-286.1pp |
| Employer contribution / active EE | $2,547 | $2,734-6.8% | $3,723-31.6% | $2,565-0.7% |
| Participant deferral / active EE | $4,325 | $3,467+24.7% | $4,654-7.1% | $3,952+9.4% |
| Admin fee / account holder | $3,284 | $5,469-40.0% | $6,755-51.4% | $6,261-47.5% |