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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 | $31,092 | $88,672-64.9% | $105,223-70.5% | $82,448-62.3% |
| Participation rate | 74.2% | 67.9%+6.3pp | 75.0%-0.9pp | 68.1%+6.1pp |
| Annual return | 15.30% | 30.86%-15.6pp | 180.65%-165.3pp | 41.64%-26.3pp |
| Employer contribution / active EE | $1,537 | $3,048-49.6% | $3,689-58.3% | $2,551-39.7% |
| Participant deferral / active EE | $3,596 | $4,036-10.9% | $5,072-29.1% | $4,139-13.1% |
| Admin fee / account holder | $533 | $7,146-92.5% | $8,859-94.0% | $7,234-92.6% |