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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 | $49,446 | $65,361-24.4% | $92,903-46.8% | $72,983-32.3% |
| Participation rate | 84.9% | 68.3%+16.6pp | 76.0%+8.9pp | 69.5%+15.4pp |
| Annual return | 19.73% | 42.11%-22.4pp | 109.43%-89.7pp | 81.01%-61.3pp |
| Employer contribution / active EE | $2,358 | $2,594-9.1% | $3,653-35.4% | $2,440-3.3% |
| Participant deferral / active EE | $1,867 | $3,128-40.3% | $4,238-56.0% | $3,608-48.3% |
| Admin fee / account holder | $1,337 | $4,251-68.5% | $5,795-76.9% | $5,124-73.9% |