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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 | $43,752 | $81,233-46.1% | $155,567-71.9% | $80,874-45.9% |
| Participation rate | 81.5% | 66.2%+15.2pp | 78.2%+3.3pp | 67.6%+13.8pp |
| Annual return | 13.28% | 33.33%-20.1pp | 64.74%-51.5pp | 35.62%-22.3pp |
| Employer contribution / active EE | $2,378 | $3,101-23.3% | $4,674-49.1% | $2,756-13.7% |
| Participant deferral / active EE | $3,181 | $3,452-7.8% | $5,628-43.5% | $4,297-26.0% |
| Admin fee / account holder | $1,997 | $7,998-75.0% | $15,916-87.5% | $6,935-71.2% |