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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 | $54,322 | $78,690-31.0% | $161,489-66.4% | $87,485-37.9% |
| Participation rate | 80.5% | 67.5%+13.0pp | 78.7%+1.8pp | 68.9%+11.6pp |
| Annual return | 16.30% | 32.74%-16.4pp | 89.72%-73.4pp | 26.06%-9.8pp |
| Employer contribution / active EE | $1,508 | $2,588-41.7% | $4,268-64.7% | $2,596-41.9% |
| Participant deferral / active EE | $5,932 | $3,311+79.2% | $5,630+5.4% | $4,274+38.8% |
| Admin fee / account holder | $1,622 | $6,724-75.9% | $16,006-89.9% | $7,775-79.1% |