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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 | $61,848 | $89,259-30.7% | $107,187-42.3% | $82,637-25.2% |
| Participation rate | 71.4% | 67.9%+3.5pp | 75.0%-3.6pp | 68.1%+3.4pp |
| Annual return | 16.25% | 21.02%-4.8pp | 204.55%-188.3pp | 53.51%-37.3pp |
| Employer contribution / active EE | $1,731 | $3,080-43.8% | $3,782-54.2% | $2,552-32.2% |
| Participant deferral / active EE | $2,963 | $4,037-26.6% | $5,096-41.9% | $4,126-28.2% |
| Admin fee / account holder | $2,240 | $7,381-69.7% | $9,162-75.6% | $7,339-69.5% |