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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 | $54,582 | $78,425-30.4% | $95,956-43.1% | $79,858-31.7% |
| Participation rate | 81.0% | 73.5%+7.5pp | 77.1%+3.9pp | 69.6%+11.4pp |
| Annual return | 12.31% | 19.37%-7.1pp | 91.63%-79.3pp | 31.72%-19.4pp |
| Employer contribution / active EE | $1,790 | $1,945-8.0% | $2,541-29.6% | $2,471-27.6% |
| Participant deferral / active EE | $3,038 | $3,440-11.7% | $4,167-27.1% | $3,740-18.8% |
| Admin fee / account holder | $7,322 | $5,622+30.2% | $6,797+7.7% | $5,306+38.0% |