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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 | $35,438 | $104,650-66.1% | $83,854-57.7% | $155,188-77.2% |
| Participation rate | 92.3% | 65.1%+27.2pp | 59.1%+33.2pp | 80.8%+11.5pp |
| Annual return | 17.30% | 28.97%-11.7pp | 31.39%-14.1pp | 148.84%-131.5pp |
| Employer contribution / active EE | $1,480 | $1,196+23.7% | $1,017+45.5% | $4,248-65.2% |
| Participant deferral / active EE | $1,900 | $2,367-19.8% | $2,035-6.7% | $6,531-70.9% |
| Admin fee / account holder | $4,915 | $3,518+39.7% | $3,197+53.7% | $14,480-66.1% |