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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 | $47,338 | $78,425-39.6% | $95,956-50.7% | $79,858-40.7% |
| Participation rate | 75.9% | 73.5%+2.4pp | 77.1%-1.2pp | 69.6%+6.2pp |
| Annual return | 17.44% | 19.37%-1.9pp | 91.63%-74.2pp | 31.72%-14.3pp |
| Employer contribution / active EE | $1,701 | $1,945-12.6% | $2,541-33.1% | $2,471-31.2% |
| Participant deferral / active EE | $6,511 | $3,440+89.3% | $4,167+56.3% | $3,740+74.1% |
| Admin fee / account holder | $4,907 | $5,622-12.7% | $6,797-27.8% | $5,306-7.5% |