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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 | $49,758 | $84,236-40.9% | $170,439-70.8% | $70,124-29.0% |
| Participation rate | 78.1% | 70.8%+7.3pp | 83.6%-5.5pp | 69.5%+8.6pp |
| Annual return | 17.84% | 23.06%-5.2pp | 205.94%-188.1pp | 73.14%-55.3pp |
| Employer contribution / active EE | $1,416 | $3,387-58.2% | $5,433-73.9% | $2,342-39.6% |
| Participant deferral / active EE | $3,644 | $3,086+18.1% | $4,939-26.2% | $3,332+9.4% |
| Admin fee / account holder | $1,263 | $5,698-77.8% | $13,881-90.9% | $4,645-72.8% |