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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 | $47,586 | $77,638-38.7% | $156,551-69.6% | $62,881-24.3% |
| Participation rate | 72.5% | 71.2%+1.3pp | 84.0%-11.5pp | 69.3%+3.2pp |
| Annual return | 14.55% | 50.33%-35.8pp | 32.23%-17.7pp | 20.14%-5.6pp |
| Employer contribution / active EE | $800 | $3,444-76.8% | $5,501-85.5% | $2,281-64.9% |
| Participant deferral / active EE | $2,934 | $3,046-3.7% | $4,871-39.8% | $3,203-8.4% |
| Admin fee / account holder | $1,443 | $5,561-74.1% | $13,028-88.9% | $4,296-66.4% |