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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 | $49,221 | $115,225-57.3% | $100,712-51.1% | $138,895-64.6% |
| Participation rate | 71.4% | 74.3%-2.9pp | 69.3%+2.2pp | 79.9%-8.5pp |
| Annual return | 18.34% | 40.35%-22.0pp | 33.27%-14.9pp | 145.39%-127.1pp |
| Employer contribution / active EE | $969 | $2,771-65.0% | $2,313-58.1% | $4,194-76.9% |
| Participant deferral / active EE | $3,804 | $4,699-19.1% | $4,085-6.9% | $6,396-40.5% |
| Admin fee / account holder | $1,361 | $10,844-87.5% | $9,256-85.3% | $12,562-89.2% |