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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 | $43,490 | $78,428-44.5% | $95,960-54.7% | $79,852-45.5% |
| Participation rate | 78.5% | 73.5%+5.0pp | 77.1%+1.4pp | 69.6%+8.8pp |
| Annual return | 16.43% | 19.37%-2.9pp | 91.63%-75.2pp | 31.72%-15.3pp |
| Employer contribution / active EE | $1,385 | $1,945-28.8% | $2,541-45.5% | $2,471-44.0% |
| Participant deferral / active EE | $3,157 | $3,440-8.2% | $4,167-24.2% | $3,740-15.6% |
| Admin fee / account holder | $6,350 | $5,622+12.9% | $6,797-6.6% | $5,306+19.7% |