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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 | $49,557 | $73,107-32.2% | $114,563-56.7% | $87,485-43.4% |
| Participation rate | 72.0% | 65.8%+6.2pp | 72.9%-0.9pp | 68.9%+3.1pp |
| Annual return | 23.13% | 19.47%+3.7pp | 241.09%-218.0pp | 26.06%-2.9pp |
| Employer contribution / active EE | $1,140 | $1,881-39.4% | $2,592-56.0% | $2,596-56.1% |
| Participant deferral / active EE | $3,954 | $3,144+25.8% | $4,142-4.5% | $4,274-7.5% |
| Admin fee / account holder | $8,861 | $5,770+53.6% | $7,623+16.2% | $7,775+14.0% |