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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 | $50,465 | $73,988-31.8% | $96,538-47.7% | $75,177-32.9% |
| Participation rate | 79.7% | 66.4%+13.3pp | 74.3%+5.3pp | 67.2%+12.5pp |
| Annual return | 18.48% | 26.73%-8.2pp | 35.74%-17.3pp | 160.75%-142.3pp |
| Employer contribution / active EE | $1,152 | $2,930-60.7% | $3,740-69.2% | $2,671-56.9% |
| Participant deferral / active EE | $3,095 | $3,660-15.5% | $4,880-36.6% | $4,126-25.0% |
| Admin fee / account holder | $3,741 | $5,220-28.3% | $6,737-44.5% | $5,651-33.8% |