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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 | $40,603 | $81,233-50.0% | $155,567-73.9% | $80,874-49.8% |
| Participation rate | 79.3% | 66.2%+13.1pp | 78.2%+1.2pp | 67.6%+11.7pp |
| Annual return | 12.72% | 33.33%-20.6pp | 64.74%-52.0pp | 35.62%-22.9pp |
| Employer contribution / active EE | $1,298 | $3,101-58.2% | $4,674-72.2% | $2,756-52.9% |
| Participant deferral / active EE | $2,595 | $3,452-24.8% | $5,628-53.9% | $4,297-39.6% |
| Admin fee / account holder | $3,534 | $7,998-55.8% | $15,916-77.8% | $6,935-49.0% |