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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 | $40,453 | $97,648-58.6% | $121,663-66.7% | $87,485-53.8% |
| Participation rate | 90.9% | 70.5%+20.4pp | 74.5%+16.4pp | 68.9%+22.0pp |
| Annual return | 15.49% | 18.03%-2.5pp | 147.54%-132.1pp | 26.06%-10.6pp |
| Employer contribution / active EE | $1,619 | $2,300-29.6% | $3,020-46.4% | $2,596-37.6% |
| Participant deferral / active EE | $3,290 | $3,923-16.1% | $4,887-32.7% | $4,274-23.0% |
| Admin fee / account holder | $3,829 | $11,100-65.5% | $14,289-73.2% | $7,775-50.7% |