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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 | $71,112 | $81,262-12.5% | $155,602-54.3% | $80,911-12.1% |
| Participation rate | 70.8% | 66.2%+4.6pp | 78.2%-7.4pp | 67.6%+3.2pp |
| Annual return | 17.94% | 33.34%-15.4pp | 64.81%-46.9pp | 35.63%-17.7pp |
| Employer contribution / active EE | $1,307 | $3,102-57.9% | $4,675-72.0% | $2,756-52.6% |
| Participant deferral / active EE | $4,440 | $3,451+28.6% | $5,629-21.1% | $4,297+3.3% |
| Admin fee / account holder | $1,267 | $7,992-84.1% | $15,923-92.0% | $6,935-81.7% |