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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 | $55,389 | $101,795-45.6% | $165,100-66.5% | $80,959-31.6% |
| Participation rate | 73.1% | 71.8%+1.3pp | 78.6%-5.5pp | 67.7%+5.4pp |
| Annual return | 14.52% | 16.73%-2.2pp | 70.21%-55.7pp | 35.67%-21.1pp |
| Employer contribution / active EE | $1,858 | $2,954-37.1% | $4,348-57.3% | $2,757-32.6% |
| Participant deferral / active EE | $2,808 | $4,476-37.3% | $6,035-53.5% | $4,300-34.7% |
| Admin fee / account holder | $9,037 | $8,221+9.9% | $12,696-28.8% | $6,925+30.5% |