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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 | $39,195 | $112,729-65.2% | $98,716-60.3% | $137,256-71.4% |
| Participation rate | 73.7% | 74.2%-0.5pp | 69.3%+4.4pp | 80.0%-6.3pp |
| Annual return | 12.45% | 38.48%-26.0pp | 31.81%-19.4pp | 220.34%-207.9pp |
| Employer contribution / active EE | $1,428 | $2,725-47.6% | $2,279-37.3% | $4,156-65.6% |
| Participant deferral / active EE | $1,882 | $4,640-59.4% | $4,048-53.5% | $6,407-70.6% |
| Admin fee / account holder | $1,552 | $10,129-84.7% | $8,703-82.2% | $12,270-87.3% |