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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 | $51,843 | $81,358-36.3% | $155,556-66.7% | $80,959-36.0% |
| Participation rate | 75.9% | 66.3%+9.6pp | 78.2%-2.4pp | 67.7%+8.2pp |
| Annual return | 14.61% | 33.39%-18.8pp | 64.84%-50.2pp | 35.67%-21.1pp |
| Employer contribution / active EE | $1,670 | $3,106-46.2% | $4,675-64.3% | $2,757-39.4% |
| Participant deferral / active EE | $4,814 | $3,455+39.3% | $5,631-14.5% | $4,300+12.0% |
| Admin fee / account holder | $4,237 | $7,994-47.0% | $15,885-73.3% | $6,925-38.8% |