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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 | $31,210 | $94,439-67.0% | $73,658-57.6% | $154,746-79.8% |
| Participation rate | 77.8% | 64.7%+13.1pp | 57.0%+20.7pp | 80.7%-2.9pp |
| Annual return | 21.89% | 28.25%-6.4pp | 29.72%-7.8pp | 172.34%-150.4pp |
| Employer contribution / active EE | $1,559 | $1,257+24.0% | $1,032+51.1% | $4,379-64.4% |
| Participant deferral / active EE | $4,040 | $2,527+59.9% | $2,062+95.9% | $6,730-40.0% |
| Admin fee / account holder | $511 | $3,843-86.7% | $3,357-84.8% | $14,365-96.4% |