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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 | $28,549 | $93,598-69.5% | $135,974-79.0% | $75,173-62.0% |
| Participation rate | 73.3% | 75.2%-1.9pp | 81.9%-8.6pp | 67.2%+6.1pp |
| Annual return | 16.05% | 30.89%-14.8pp | 68.30%-52.3pp | 160.72%-144.7pp |
| Employer contribution / active EE | $3,696 | $3,538+4.5% | $4,859-23.9% | $2,671+38.4% |
| Participant deferral / active EE | $7,063 | $6,405+10.3% | $7,760-9.0% | $4,126+71.2% |
| Admin fee / account holder | $1,293 | $6,978-81.5% | $10,767-88.0% | $5,651-77.1% |