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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 | $44,903 | $77,920-42.4% | $149,723-70.0% | $75,177-40.3% |
| Participation rate | 76.4% | 65.6%+10.8pp | 78.8%-2.4pp | 67.2%+9.2pp |
| Annual return | 17.38% | 31.72%-14.3pp | 134.50%-117.1pp | 160.75%-143.4pp |
| Employer contribution / active EE | $2,540 | $3,138-19.1% | $4,821-47.3% | $2,671-4.9% |
| Participant deferral / active EE | $4,450 | $3,411+30.4% | $5,682-21.7% | $4,126+7.8% |
| Admin fee / account holder | $403 | $5,951-93.2% | $13,215-97.0% | $5,651-92.9% |