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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 | $37,517 | $94,031-60.1% | $115,768-67.6% | $82,448-54.5% |
| Participation rate | 81.8% | 70.4%+11.4pp | 74.4%+7.4pp | 68.1%+13.8pp |
| Annual return | 15.72% | 20.61%-4.9pp | 100.46%-84.7pp | 41.64%-25.9pp |
| Employer contribution / active EE | $1,050 | $2,323-54.8% | $2,940-64.3% | $2,551-58.8% |
| Participant deferral / active EE | $4,382 | $3,972+10.3% | $4,917-10.9% | $4,139+5.9% |
| Admin fee / account holder | $3,244 | $10,249-68.4% | $12,439-73.9% | $7,234-55.2% |