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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 | $34,372 | $77,472-55.6% | $100,415-65.8% | $80,959-57.5% |
| Participation rate | 78.9% | 76.9%+1.9pp | 81.5%-2.6pp | 67.7%+11.2pp |
| Annual return | 35.03% | 37.26%-2.2pp | 49.47%-14.4pp | 35.67%-0.6pp |
| Employer contribution / active EE | $3,822 | $2,800+36.5% | $3,943-3.1% | $2,757+38.6% |
| Participant deferral / active EE | $8,744 | $6,818+28.3% | $8,091+8.1% | $4,300+103.3% |
| Admin fee / account holder | $690 | $5,885-88.3% | $7,906-91.3% | $6,925-90.0% |