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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 | $48,559 | $84,236-42.4% | $170,435-71.5% | $70,126-30.8% |
| Participation rate | 72.1% | 70.8%+1.2pp | 83.6%-11.5pp | 69.5%+2.5pp |
| Annual return | 13.47% | 23.06%-9.6pp | 205.94%-192.5pp | 73.15%-59.7pp |
| Employer contribution / active EE | $1,659 | $3,387-51.0% | $5,432-69.5% | $2,343-29.2% |
| Participant deferral / active EE | $3,254 | $3,086+5.4% | $4,939-34.1% | $3,332-2.3% |
| Admin fee / account holder | $9,022 | $5,698+58.3% | $13,881-35.0% | $4,645+94.2% |