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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 | $47,444 | $84,236-43.7% | $170,435-72.2% | $70,126-32.3% |
| Participation rate | 77.5% | 70.8%+6.7pp | 83.6%-6.1pp | 69.5%+8.0pp |
| Annual return | 12.78% | 23.06%-10.3pp | 205.94%-193.2pp | 73.15%-60.4pp |
| Employer contribution / active EE | $1,497 | $3,387-55.8% | $5,432-72.4% | $2,343-36.1% |
| Participant deferral / active EE | $2,579 | $3,086-16.4% | $4,939-47.8% | $3,332-22.6% |
| Admin fee / account holder | $2,554 | $5,698-55.2% | $13,881-81.6% | $4,645-45.0% |