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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 | $31,945 | $72,027-55.6% | $185,861-82.8% | $79,856-60.0% |
| Participation rate | 80.6% | 65.8%+14.9pp | 78.0%+2.6pp | 69.6%+11.0pp |
| Annual return | 12.69% | 23.13%-10.4pp | 35.96%-23.3pp | 31.71%-19.0pp |
| Employer contribution / active EE | $1,330 | $1,965-32.3% | $4,088-67.5% | $2,471-46.2% |
| Participant deferral / active EE | $2,041 | $3,780-46.0% | $5,634-63.8% | $3,741-45.4% |
| Admin fee / account holder | $820 | $4,513-81.8% | $9,503-91.4% | $5,306-84.5% |