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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 | $49,547 | $81,331-39.1% | $155,534-68.1% | $80,935-38.8% |
| Participation rate | 71.4% | 66.3%+5.2pp | 78.2%-6.8pp | 67.7%+3.8pp |
| Annual return | 12.01% | 33.37%-21.4pp | 64.92%-52.9pp | 35.66%-23.6pp |
| Employer contribution / active EE | $2,798 | $3,105-9.9% | $4,675-40.2% | $2,757+1.5% |
| Participant deferral / active EE | $4,464 | $3,454+29.2% | $5,630-20.7% | $4,299+3.8% |
| Admin fee / account holder | $814 | $7,999-89.8% | $15,900-94.9% | $6,924-88.3% |