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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 | $44,625 | $65,364-31.7% | $92,909-52.0% | $72,975-38.8% |
| Participation rate | 77.8% | 68.3%+9.5pp | 76.0%+1.8pp | 69.5%+8.3pp |
| Annual return | 27.22% | 42.11%-14.9pp | 109.44%-82.2pp | 81.01%-53.8pp |
| Employer contribution / active EE | $1,856 | $2,594-28.5% | $3,653-49.2% | $2,440-23.9% |
| Participant deferral / active EE | $3,137 | $3,128+0.3% | $4,238-26.0% | $3,608-13.0% |
| Admin fee / account holder | $1,112 | $4,251-73.8% | $5,795-80.8% | $5,124-78.3% |