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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 | $46,793 | $81,358-42.5% | $155,556-69.9% | $80,959-42.2% |
| Participation rate | 76.0% | 66.3%+9.7pp | 78.2%-2.2pp | 67.7%+8.3pp |
| Annual return | 16.37% | 33.39%-17.0pp | 64.84%-48.5pp | 35.67%-19.3pp |
| Employer contribution / active EE | $1,796 | $3,106-42.2% | $4,675-61.6% | $2,757-34.8% |
| Participant deferral / active EE | $4,643 | $3,455+34.4% | $5,631-17.5% | $4,300+8.0% |
| Admin fee / account holder | $3,513 | $7,994-56.0% | $15,885-77.9% | $6,925-49.3% |