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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 | $47,430 | $81,358-41.7% | $155,556-69.5% | $80,959-41.4% |
| Participation rate | 74.6% | 66.3%+8.3pp | 78.2%-3.6pp | 67.7%+6.9pp |
| Annual return | 11.33% | 33.39%-22.1pp | 64.84%-53.5pp | 35.67%-24.3pp |
| Employer contribution / active EE | $1,633 | $3,106-47.4% | $4,675-65.1% | $2,757-40.8% |
| Participant deferral / active EE | $3,925 | $3,455+13.6% | $5,631-30.3% | $4,300-8.7% |
| Admin fee / account holder | $1,444 | $7,994-81.9% | $15,885-90.9% | $6,925-79.1% |