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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 | $53,583 | $80,705-33.6% | $115,768-53.7% | $67,986-21.2% |
| Participation rate | 74.1% | 63.0%+11.2pp | 74.4%-0.3pp | 57.2%+16.9pp |
| Annual return | 17.76% | 18.49%-0.7pp | 100.46%-82.7pp | 31.67%-13.9pp |
| Employer contribution / active EE | $1,446 | $2,046-29.3% | $2,940-50.8% | $2,019-28.4% |
| Participant deferral / active EE | $3,893 | $3,559+9.4% | $4,917-20.8% | $3,358+15.9% |
| Admin fee / account holder | $2,729 | $4,135-34.0% | $12,439-78.1% | $3,203-14.8% |