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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 | $50,578 | $65,027-22.2% | $90,970-44.4% | $79,852-36.7% |
| Participation rate | 84.0% | 61.6%+22.4pp | 69.0%+15.0pp | 69.6%+14.4pp |
| Annual return | 14.45% | 30.45%-16.0pp | 134.58%-120.1pp | 31.72%-17.3pp |
| Employer contribution / active EE | $1,705 | $1,247+36.7% | $2,122-19.7% | $2,471-31.0% |
| Participant deferral / active EE | $3,048 | $2,512+21.3% | $3,373-9.7% | $3,740-18.5% |
| Admin fee / account holder | $515 | $4,535-88.6% | $5,960-91.4% | $5,306-90.3% |