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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 | $33,074 | $93,617-64.7% | $135,982-75.7% | $75,177-56.0% |
| Participation rate | 96.2% | 75.2%+21.0pp | 81.9%+14.3pp | 67.2%+29.0pp |
| Annual return | 16.61% | 30.89%-14.3pp | 68.32%-51.7pp | 160.75%-144.1pp |
| Employer contribution / active EE | $2,359 | $3,538-33.3% | $4,859-51.4% | $2,671-11.7% |
| Participant deferral / active EE | $4,696 | $6,406-26.7% | $7,760-39.5% | $4,126+13.8% |
| Admin fee / account holder | $1,273 | $6,980-81.8% | $10,767-88.2% | $5,651-77.5% |