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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 | $53,076 | $93,617-43.3% | $135,982-61.0% | $75,177-29.4% |
| Participation rate | 77.0% | 75.2%+1.8pp | 81.9%-4.9pp | 67.2%+9.8pp |
| Annual return | 20.42% | 30.89%-10.5pp | 68.32%-47.9pp | 160.75%-140.3pp |
| Employer contribution / active EE | $1,027 | $3,538-71.0% | $4,859-78.9% | $2,671-61.6% |
| Participant deferral / active EE | $4,107 | $6,406-35.9% | $7,760-47.1% | $4,126-0.5% |
| Admin fee / account holder | $1,975 | $6,980-71.7% | $10,767-81.7% | $5,651-65.1% |