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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 | $56,390 | $108,825-48.2% | $156,181-63.9% | $82,448-31.6% |
| Participation rate | 80.9% | 72.4%+8.5pp | 78.8%+2.0pp | 68.1%+12.8pp |
| Annual return | 17.69% | 20.59%-2.9pp | 64.87%-47.2pp | 41.64%-23.9pp |
| Employer contribution / active EE | $1,624 | $2,870-43.4% | $4,294-62.2% | $2,551-36.3% |
| Participant deferral / active EE | $3,299 | $4,577-27.9% | $6,132-46.2% | $4,139-20.3% |
| Admin fee / account holder | $3,411 | $9,341-63.5% | $14,586-76.6% | $7,234-52.8% |