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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 | $47,074 | $98,776-52.3% | $149,745-68.6% | $79,856-41.1% |
| Participation rate | 78.6% | 75.8%+2.8pp | 82.5%-3.9pp | 69.6%+8.9pp |
| Annual return | 16.22% | 27.38%-11.2pp | 276.72%-260.5pp | 31.71%-15.5pp |
| Employer contribution / active EE | $1,579 | $3,217-50.9% | $4,646-66.0% | $2,471-36.1% |
| Participant deferral / active EE | $3,853 | $5,681-32.2% | $6,843-43.7% | $3,741+3.0% |
| Admin fee / account holder | $2,384 | $6,053-60.6% | $9,312-74.4% | $5,306-55.1% |