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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 | $50,441 | $76,407-34.0% | $150,298-66.4% | $82,448-38.8% |
| Participation rate | 84.0% | 66.4%+17.6pp | 77.8%+6.2pp | 68.1%+15.9pp |
| Annual return | 15.54% | 39.99%-24.5pp | 62.79%-47.2pp | 41.64%-26.1pp |
| Employer contribution / active EE | $1,475 | $2,614-43.6% | $4,154-64.5% | $2,551-42.2% |
| Participant deferral / active EE | $906 | $3,214-71.8% | $5,453-83.4% | $4,139-78.1% |
| Admin fee / account holder | $1,535 | $6,352-75.8% | $14,116-89.1% | $7,234-78.8% |