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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 | $81,276-42.4% | $155,574-69.9% | $80,925-42.2% |
| Participation rate | 76.0% | 66.2%+9.8pp | 78.2%-2.2pp | 67.7%+8.3pp |
| Annual return | 16.37% | 33.36%-17.0pp | 64.87%-48.5pp | 35.65%-19.3pp |
| Employer contribution / active EE | $1,796 | $3,103-42.1% | $4,676-61.6% | $2,756-34.8% |
| Participant deferral / active EE | $4,643 | $3,453+34.5% | $5,629-17.5% | $4,299+8.0% |
| Admin fee / account holder | $3,513 | $7,993-56.0% | $15,914-77.9% | $6,940-49.4% |