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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 | $31,320 | $83,485-62.5% | $125,180-75.0% | $72,983-57.1% |
| Participation rate | 87.0% | 73.3%+13.7pp | 79.8%+7.3pp | 69.5%+17.6pp |
| Annual return | 34.32% | 25.78%+8.5pp | 43.79%-9.5pp | 81.01%-46.7pp |
| Employer contribution / active EE | $1,771 | $2,346-24.5% | $3,866-54.2% | $2,440-27.4% |
| Participant deferral / active EE | $5,158 | $3,586+43.8% | $4,937+4.5% | $3,608+43.0% |
| Admin fee / account holder | $557 | $5,518-89.9% | $9,703-94.3% | $5,124-89.1% |