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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 | $44,735 | $124,330-64.0% | $109,173-59.0% | $167,536-73.3% |
| Participation rate | 80.0% | 79.5%+0.5pp | 75.9%+4.1pp | 82.1%-2.1pp |
| Annual return | 12.79% | 26.04%-13.3pp | 25.75%-13.0pp | 478.82%-466.0pp |
| Employer contribution / active EE | $1,961 | $4,209-53.4% | $3,723-47.3% | $4,839-59.5% |
| Participant deferral / active EE | $3,016 | $5,256-42.6% | $4,654-35.2% | $6,342-52.4% |
| Admin fee / account holder | $3,784 | $7,974-52.5% | $6,755-44.0% | $12,315-69.3% |