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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 | $68,878-21.5% | $120,574-55.1% | $80,935-33.2% |
| Participation rate | 75.8% | 61.7%+14.1pp | 71.9%+3.9pp | 67.7%+8.1pp |
| Annual return | 13.52% | 23.67%-10.2pp | 107.42%-93.9pp | 35.66%-22.1pp |
| Employer contribution / active EE | $1,445 | $2,065-30.0% | $3,471-58.4% | $2,757-47.6% |
| Participant deferral / active EE | $2,333 | $3,189-26.8% | $4,996-53.3% | $4,299-45.7% |
| Admin fee / account holder | $5,546 | $5,782-4.1% | $9,445-41.3% | $6,924-19.9% |