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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 | $50,279 | $84,236-40.3% | $170,435-70.5% | $70,126-28.3% |
| Participation rate | 77.4% | 70.8%+6.6pp | 83.6%-6.2pp | 69.5%+7.9pp |
| Annual return | 15.61% | 23.06%-7.4pp | 205.94%-190.3pp | 73.15%-57.5pp |
| Employer contribution / active EE | $1,335 | $3,387-60.6% | $5,432-75.4% | $2,343-43.0% |
| Participant deferral / active EE | $4,180 | $3,086+35.4% | $4,939-15.4% | $3,332+25.4% |
| Admin fee / account holder | $364 | $5,698-93.6% | $13,881-97.4% | $4,645-92.2% |