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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 | $27,306 | $81,457-66.5% | $103,378-73.6% | $80,911-66.3% |
| Participation rate | 72.4% | 66.8%+5.6pp | 74.5%-2.1pp | 67.6%+4.8pp |
| Annual return | 43.49% | 25.58%+17.9pp | 24.91%+18.6pp | 35.63%+7.9pp |
| Employer contribution / active EE | $1,960 | $3,107-36.9% | $3,870-49.4% | $2,756-28.9% |
| Participant deferral / active EE | $4,077 | $3,871+5.3% | $5,058-19.4% | $4,297-5.1% |
| Admin fee / account holder | $584 | $6,717-91.3% | $8,401-93.1% | $6,935-91.6% |