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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 | $48,315 | $124,980-61.3% | $108,359-55.4% | $154,746-68.8% |
| Participation rate | 90.5% | 75.2%+15.3pp | 70.1%+20.4pp | 80.7%+9.8pp |
| Annual return | 14.21% | 45.00%-30.8pp | 36.89%-22.7pp | 172.34%-158.1pp |
| Employer contribution / active EE | $1,143 | $2,851-59.9% | $2,399-52.4% | $4,379-73.9% |
| Participant deferral / active EE | $2,028 | $4,743-57.2% | $4,137-51.0% | $6,730-69.9% |
| Admin fee / account holder | $738 | $11,502-93.6% | $9,741-92.4% | $14,365-94.9% |