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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 | $35,200 | $75,541-53.4% | $152,093-76.9% | $82,637-57.4% |
| Participation rate | 71.1% | 66.5%+4.5pp | 77.8%-6.7pp | 68.1%+3.0pp |
| Annual return | 21.41% | 32.56%-11.1pp | 66.36%-44.9pp | 53.51%-32.1pp |
| Employer contribution / active EE | $1,933 | $2,622-26.3% | $4,175-53.7% | $2,552-24.2% |
| Participant deferral / active EE | $4,627 | $3,206+44.3% | $5,451-15.1% | $4,126+12.1% |
| Admin fee / account holder | $1,085 | $6,405-83.1% | $14,497-92.5% | $7,339-85.2% |