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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 | $94,439-62.5% | $73,658-51.9% | $154,746-77.1% |
| Participation rate | 92.3% | 64.7%+27.6pp | 57.0%+35.3pp | 80.7%+11.6pp |
| Annual return | 17.30% | 28.25%-11.0pp | 29.72%-12.4pp | 172.34%-155.0pp |
| Employer contribution / active EE | $1,480 | $1,257+17.7% | $1,032+43.4% | $4,379-66.2% |
| Participant deferral / active EE | $1,900 | $2,527-24.8% | $2,062-7.9% | $6,730-71.8% |
| Admin fee / account holder | $4,915 | $3,843+27.9% | $3,357+46.4% | $14,365-65.8% |