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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 | $34,571 | $65,395-47.1% | $182,558-81.1% | $72,976-52.6% |
| Participation rate | 75.0% | 65.4%+9.6pp | 78.0%-3.0pp | 69.5%+5.5pp |
| Annual return | 30.36% | 27.68%+2.7pp | 148.59%-118.2pp | 81.02%-50.7pp |
| Employer contribution / active EE | $1,128 | $1,911-41.0% | $4,076-72.3% | $2,440-53.8% |
| Participant deferral / active EE | $2,064 | $3,563-42.1% | $5,526-62.7% | $3,608-42.8% |
| Admin fee / account holder | $1,789 | $4,245-57.8% | $8,594-79.2% | $5,124-65.1% |