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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 | $40,854 | $78,428-47.9% | $95,960-57.4% | $79,852-48.8% |
| Participation rate | 75.6% | 73.5%+2.1pp | 77.1%-1.5pp | 69.6%+6.0pp |
| Annual return | 14.50% | 19.37%-4.9pp | 91.63%-77.1pp | 31.72%-17.2pp |
| Employer contribution / active EE | $2,297 | $1,945+18.1% | $2,541-9.6% | $2,471-7.0% |
| Participant deferral / active EE | $2,970 | $3,440-13.7% | $4,167-28.7% | $3,740-20.6% |
| Admin fee / account holder | $5,035 | $5,622-10.5% | $6,797-25.9% | $5,306-5.1% |