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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 | $31,691 | $87,059-63.6% | $105,608-70.0% | $80,925-60.8% |
| Participation rate | 75.0% | 70.4%+4.6pp | 75.3%-0.3pp | 67.7%+7.3pp |
| Annual return | 21.81% | 17.05%+4.8pp | 116.50%-94.7pp | 35.65%-13.8pp |
| Employer contribution / active EE | $1,231 | $2,396-48.6% | $3,167-61.1% | $2,756-55.3% |
| Participant deferral / active EE | $2,685 | $3,986-32.6% | $5,010-46.4% | $4,299-37.5% |
| Admin fee / account holder | $855 | $8,443-89.9% | $11,028-92.2% | $6,940-87.7% |