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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 | $41,404 | $65,364-36.7% | $92,909-55.4% | $72,975-43.3% |
| Participation rate | 72.7% | 68.3%+4.4pp | 76.0%-3.3pp | 69.5%+3.2pp |
| Annual return | 21.89% | 42.11%-20.2pp | 109.44%-87.5pp | 81.01%-59.1pp |
| Employer contribution / active EE | $2,057 | $2,594-20.7% | $3,653-43.7% | $2,440-15.7% |
| Participant deferral / active EE | $4,286 | $3,128+37.0% | $4,238+1.1% | $3,608+18.8% |
| Admin fee / account holder | $1,580 | $4,251-62.8% | $5,795-72.7% | $5,124-69.2% |