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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 | $47,394 | $91,198-48.0% | $178,503-73.4% | $79,856-40.7% |
| Participation rate | 76.9% | 69.2%+7.7pp | 81.9%-5.0pp | 69.6%+7.3pp |
| Annual return | 13.55% | 24.20%-10.6pp | 151.12%-137.6pp | 31.71%-18.2pp |
| Employer contribution / active EE | $1,982 | $3,257-39.2% | $5,011-60.5% | $2,471-19.8% |
| Participant deferral / active EE | $3,362 | $3,237+3.9% | $5,202-35.4% | $3,741-10.1% |
| Admin fee / account holder | $2,012 | $6,748-70.2% | $13,987-85.6% | $5,306-62.1% |