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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 | $44,945 | $109,359-58.9% | $162,171-72.3% | $72,983-38.4% |
| Participation rate | 94.8% | 84.3%+10.6pp | 87.6%+7.3pp | 69.5%+25.3pp |
| Annual return | 22.77% | 25.46%-2.7pp | 115.60%-92.8pp | 81.01%-58.2pp |
| Employer contribution / active EE | $1,314 | $3,907-66.4% | $5,613-76.6% | $2,440-46.2% |
| Participant deferral / active EE | $2,778 | $5,481-49.3% | $7,297-61.9% | $3,608-23.0% |
| Admin fee / account holder | $519 | $7,972-93.5% | $10,843-95.2% | $5,124-89.9% |