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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 | $30,115 | $72,486-58.5% | $87,103-65.4% | $72,976-58.7% |
| Participation rate | 73.7% | 72.8%+0.9pp | 76.9%-3.2pp | 69.5%+4.2pp |
| Annual return | 25.31% | 24.46%+0.9pp | 28.19%-2.9pp | 81.02%-55.7pp |
| Employer contribution / active EE | $1,731 | $1,894-8.6% | $2,521-31.4% | $2,440-29.1% |
| Participant deferral / active EE | $3,209 | $3,270-1.9% | $4,049-20.7% | $3,608-11.1% |
| Admin fee / account holder | $2,739 | $5,055-45.8% | $7,491-63.4% | $5,124-46.5% |