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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 | $38,200 | $88,360-56.8% | $145,433-73.7% | $67,986-43.8% |
| Participation rate | 74.0% | 65.5%+8.6pp | 82.1%-8.1pp | 57.2%+16.8pp |
| Annual return | 28.63% | 63.15%-34.5pp | 66.58%-37.9pp | 31.67%-3.0pp |
| Employer contribution / active EE | $3,113 | $3,054+1.9% | $4,554-31.7% | $2,019+54.2% |
| Participant deferral / active EE | $6,356 | $5,932+7.1% | $7,897-19.5% | $3,358+89.3% |
| Admin fee / account holder | $2,027 | $3,313-38.8% | $13,129-84.6% | $3,203-36.7% |