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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 | $54,094 | $68,880-21.5% | $120,580-55.1% | $80,959-33.2% |
| Participation rate | 75.8% | 61.7%+14.1pp | 72.0%+3.8pp | 67.7%+8.1pp |
| Annual return | 13.52% | 23.68%-10.2pp | 107.48%-94.0pp | 35.67%-22.2pp |
| Employer contribution / active EE | $1,445 | $2,066-30.1% | $3,469-58.3% | $2,757-47.6% |
| Participant deferral / active EE | $2,333 | $3,191-26.9% | $4,995-53.3% | $4,300-45.8% |
| Admin fee / account holder | $5,546 | $5,785-4.1% | $9,418-41.1% | $6,925-19.9% |