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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 | $44,604 | $84,236-47.0% | $170,435-73.8% | $70,126-36.4% |
| Participation rate | 73.7% | 70.8%+2.9pp | 83.6%-9.9pp | 69.5%+4.1pp |
| Annual return | 17.88% | 23.06%-5.2pp | 205.94%-188.1pp | 73.15%-55.3pp |
| Employer contribution / active EE | $1,936 | $3,387-42.9% | $5,432-64.4% | $2,343-17.4% |
| Participant deferral / active EE | $3,960 | $3,086+28.3% | $4,939-19.8% | $3,332+18.9% |
| Admin fee / account holder | $8,706 | $5,698+52.8% | $13,881-37.3% | $4,645+87.4% |