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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 | $46,910 | $101,795-53.9% | $165,100-71.6% | $80,959-42.1% |
| Participation rate | 80.4% | 71.8%+8.6pp | 78.6%+1.8pp | 67.7%+12.8pp |
| Annual return | 13.55% | 16.73%-3.2pp | 70.21%-56.7pp | 35.67%-22.1pp |
| Employer contribution / active EE | $2,760 | $2,954-6.5% | $4,348-36.5% | $2,757+0.1% |
| Participant deferral / active EE | $3,903 | $4,476-12.8% | $6,035-35.3% | $4,300-9.2% |
| Admin fee / account holder | $1,294 | $8,221-84.3% | $12,696-89.8% | $6,925-81.3% |