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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 | $43,963 | $81,233-45.9% | $155,567-71.7% | $80,874-45.6% |
| Participation rate | 78.5% | 66.2%+12.2pp | 78.2%+0.3pp | 67.6%+10.8pp |
| Annual return | 16.42% | 33.33%-16.9pp | 64.74%-48.3pp | 35.62%-19.2pp |
| Employer contribution / active EE | $993 | $3,101-68.0% | $4,674-78.8% | $2,756-64.0% |
| Participant deferral / active EE | $2,990 | $3,452-13.4% | $5,628-46.9% | $4,297-30.4% |
| Admin fee / account holder | $2,315 | $7,998-71.0% | $15,916-85.5% | $6,935-66.6% |