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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 | $44,727 | $81,276-45.0% | $155,574-71.3% | $80,925-44.7% |
| Participation rate | 72.2% | 66.2%+5.9pp | 78.2%-6.0pp | 67.7%+4.5pp |
| Annual return | 17.74% | 33.36%-15.6pp | 64.87%-47.1pp | 35.65%-17.9pp |
| Employer contribution / active EE | $1,886 | $3,103-39.2% | $4,676-59.7% | $2,756-31.6% |
| Participant deferral / active EE | $4,149 | $3,453+20.2% | $5,629-26.3% | $4,299-3.5% |
| Admin fee / account holder | $6,656 | $7,993-16.7% | $15,914-58.2% | $6,940-4.1% |