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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 | $51,438 | $72,272-28.8% | $101,264-49.2% | $79,858-35.6% |
| Participation rate | 72.4% | 68.5%+4.0pp | 75.8%-3.4pp | 69.6%+2.8pp |
| Annual return | 21.95% | 22.30%-0.3pp | 46.48%-24.5pp | 31.72%-9.8pp |
| Employer contribution / active EE | $1,425 | $2,692-47.1% | $3,660-61.1% | $2,471-42.3% |
| Participant deferral / active EE | $3,923 | $3,282+19.6% | $4,370-10.2% | $3,740+4.9% |
| Admin fee / account holder | $1,191 | $4,401-72.9% | $5,947-80.0% | $5,306-77.6% |