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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 | $81,276-41.6% | $155,574-69.5% | $80,925-41.4% |
| Participation rate | 74.6% | 66.2%+8.4pp | 78.2%-3.6pp | 67.7%+6.9pp |
| Annual return | 11.33% | 33.36%-22.0pp | 64.87%-53.5pp | 35.65%-24.3pp |
| Employer contribution / active EE | $1,633 | $3,103-47.4% | $4,676-65.1% | $2,756-40.7% |
| Participant deferral / active EE | $3,925 | $3,453+13.7% | $5,629-30.3% | $4,299-8.7% |
| Admin fee / account holder | $1,444 | $7,993-81.9% | $15,914-90.9% | $6,940-79.2% |