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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 | $43,505 | $78,423-44.5% | $95,964-54.7% | $79,856-45.5% |
| Participation rate | 74.2% | 73.5%+0.7pp | 77.1%-2.9pp | 69.6%+4.6pp |
| Annual return | 16.36% | 19.37%-3.0pp | 91.64%-75.3pp | 31.71%-15.4pp |
| Employer contribution / active EE | $1,713 | $1,945-11.9% | $2,541-32.6% | $2,471-30.7% |
| Participant deferral / active EE | $4,938 | $3,440+43.5% | $4,167+18.5% | $3,741+32.0% |
| Admin fee / account holder | $605 | $5,622-89.2% | $6,797-91.1% | $5,306-88.6% |