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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 | $34,444 | $106,749-67.7% | $145,433-76.3% | $82,448-58.2% |
| Participation rate | 71.9% | 75.6%-3.8pp | 82.1%-10.2pp | 68.1%+3.8pp |
| Annual return | 17.93% | 27.59%-9.7pp | 66.58%-48.6pp | 41.64%-23.7pp |
| Employer contribution / active EE | $1,762 | $3,444-48.8% | $4,554-61.3% | $2,551-30.9% |
| Participant deferral / active EE | $3,473 | $6,519-46.7% | $7,897-56.0% | $4,139-16.1% |
| Admin fee / account holder | $9,341 | $8,390+11.3% | $13,129-28.9% | $7,234+29.1% |