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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 | $47,178 | $94,031-49.8% | $115,768-59.2% | $82,448-42.8% |
| Participation rate | 72.5% | 70.4%+2.1pp | 74.4%-1.8pp | 68.1%+4.5pp |
| Annual return | 14.95% | 20.61%-5.7pp | 100.46%-85.5pp | 41.64%-26.7pp |
| Employer contribution / active EE | $923 | $2,323-60.3% | $2,940-68.6% | $2,551-63.8% |
| Participant deferral / active EE | $2,903 | $3,972-26.9% | $4,917-40.9% | $4,139-29.9% |
| Admin fee / account holder | $3,763 | $10,249-63.3% | $12,439-69.7% | $7,234-48.0% |