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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 | $47,858 | $65,361-26.8% | $92,903-48.5% | $72,983-34.4% |
| Participation rate | 92.0% | 68.3%+23.7pp | 76.0%+16.0pp | 69.5%+22.6pp |
| Annual return | 25.52% | 42.11%-16.6pp | 109.43%-83.9pp | 81.01%-55.5pp |
| Employer contribution / active EE | $1,558 | $2,594-40.0% | $3,653-57.4% | $2,440-36.2% |
| Participant deferral / active EE | $4,301 | $3,128+37.5% | $4,238+1.5% | $3,608+19.2% |
| Admin fee / account holder | $1,054 | $4,251-75.2% | $5,795-81.8% | $5,124-79.4% |