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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 | $45,284 | $108,825-58.4% | $156,181-71.0% | $82,448-45.1% |
| Participation rate | 87.9% | 72.4%+15.5pp | 78.8%+9.1pp | 68.1%+19.8pp |
| Annual return | 16.42% | 20.59%-4.2pp | 64.87%-48.4pp | 41.64%-25.2pp |
| Employer contribution / active EE | $1,828 | $2,870-36.3% | $4,294-57.4% | $2,551-28.3% |
| Participant deferral / active EE | $4,065 | $4,577-11.2% | $6,132-33.7% | $4,139-1.8% |
| Admin fee / account holder | $357 | $9,341-96.2% | $14,586-97.5% | $7,234-95.1% |