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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 | $54,310 | $77,920-30.3% | $149,723-63.7% | $75,177-27.8% |
| Participation rate | 76.1% | 65.6%+10.5pp | 78.8%-2.7pp | 67.2%+8.9pp |
| Annual return | 20.43% | 31.72%-11.3pp | 134.50%-114.1pp | 160.75%-140.3pp |
| Employer contribution / active EE | $1,154 | $3,138-63.2% | $4,821-76.1% | $2,671-56.8% |
| Participant deferral / active EE | $4,543 | $3,411+33.2% | $5,682-20.1% | $4,126+10.1% |
| Admin fee / account holder | $1,282 | $5,951-78.5% | $13,215-90.3% | $5,651-77.3% |