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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 | $31,076 | $106,749-70.9% | $145,433-78.6% | $82,448-62.3% |
| Participation rate | 81.0% | 75.6%+5.3pp | 82.1%-1.2pp | 68.1%+12.9pp |
| Annual return | 32.34% | 27.59%+4.8pp | 66.58%-34.2pp | 41.64%-9.3pp |
| Employer contribution / active EE | $1,678 | $3,444-51.3% | $4,554-63.2% | $2,551-34.2% |
| Participant deferral / active EE | $6,071 | $6,519-6.9% | $7,897-23.1% | $4,139+46.7% |
| Admin fee / account holder | $4,593 | $8,390-45.3% | $13,129-65.0% | $7,234-36.5% |