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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 | $53,414 | $77,638-31.2% | $156,551-65.9% | $62,881-15.1% |
| Participation rate | 72.4% | 71.2%+1.2pp | 84.0%-11.6pp | 69.3%+3.1pp |
| Annual return | 6.68% | 50.33%-43.6pp | 32.23%-25.6pp | 20.14%-13.5pp |
| Employer contribution / active EE | $1,228 | $3,444-64.3% | $5,501-77.7% | $2,281-46.2% |
| Participant deferral / active EE | $2,864 | $3,046-6.0% | $4,871-41.2% | $3,203-10.6% |
| Admin fee / account holder | $3,318 | $5,561-40.3% | $13,028-74.5% | $4,296-22.8% |