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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 | $40,064 | $90,486-55.7% | $78,676-49.1% | $273,972-85.4% |
| Participation rate | 82.4% | 76.5%+5.8pp | 73.6%+8.8pp | 83.0%-0.7pp |
| Annual return | 7.16% | 75.62%-68.5pp | 62.19%-55.0pp | 41.46%-34.3pp |
| Employer contribution / active EE | $2,240 | $3,175-29.5% | $2,850-21.4% | $4,869-54.0% |
| Participant deferral / active EE | $4,930 | $3,901+26.4% | $3,517+40.2% | $5,287-6.8% |
| Admin fee / account holder | $1,360 | $5,263-74.2% | $4,510-69.8% | $10,133-86.6% |