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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 | $46,698 | $65,034-28.2% | $90,970-48.7% | $79,856-41.5% |
| Participation rate | 74.1% | 61.6%+12.5pp | 69.0%+5.1pp | 69.6%+4.4pp |
| Annual return | 14.68% | 30.45%-15.8pp | 134.60%-119.9pp | 31.71%-17.0pp |
| Employer contribution / active EE | $1,614 | $1,247+29.4% | $2,122-23.9% | $2,471-34.7% |
| Participant deferral / active EE | $3,359 | $2,512+33.7% | $3,373-0.4% | $3,741-10.2% |
| Admin fee / account holder | $1,917 | $4,536-57.7% | $5,961-67.8% | $5,306-63.9% |