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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 | $46,667 | $145,431-67.9% | $211,142-77.9% | $87,485-46.7% |
| Participation rate | 70.3% | 84.7%-14.5pp | 87.3%-17.0pp | 68.9%+1.3pp |
| Annual return | 18.17% | 27.21%-9.0pp | 46.84%-28.7pp | 26.06%-7.9pp |
| Employer contribution / active EE | $1,597 | $4,662-65.7% | $6,442-75.2% | $2,596-38.5% |
| Participant deferral / active EE | $3,543 | $6,859-48.3% | $9,284-61.8% | $4,274-17.1% |
| Admin fee / account holder | $4,754 | $17,052-72.1% | $19,076-75.1% | $7,775-38.9% |