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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 | $45,659 | $81,358-43.9% | $155,556-70.6% | $80,959-43.6% |
| Participation rate | 80.7% | 66.3%+14.4pp | 78.2%+2.5pp | 67.7%+13.0pp |
| Annual return | 16.42% | 33.39%-17.0pp | 64.84%-48.4pp | 35.67%-19.2pp |
| Employer contribution / active EE | $3,174 | $3,106+2.2% | $4,675-32.1% | $2,757+15.1% |
| Participant deferral / active EE | $4,590 | $3,455+32.8% | $5,631-18.5% | $4,300+6.7% |
| Admin fee / account holder | $1,089 | $7,994-86.4% | $15,885-93.1% | $6,925-84.3% |