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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 | $49,102 | $85,024-42.2% | $70,544-30.4% | $139,466-64.8% |
| Participation rate | 72.7% | 73.9%-1.2pp | 68.4%+4.4pp | 80.3%-7.6pp |
| Annual return | 15.77% | 30.39%-14.6pp | 32.79%-17.0pp | 373.66%-357.9pp |
| Employer contribution / active EE | $1,582 | $3,912-59.6% | $2,976-46.8% | $4,754-66.7% |
| Participant deferral / active EE | $3,974 | $5,891-32.5% | $4,568-13.0% | $6,712-40.8% |
| Admin fee / account holder | $4,175 | $8,928-53.2% | $6,427-35.0% | $11,409-63.4% |