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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 | $41,529 | $77,901-46.7% | $149,717-72.3% | $75,181-44.8% |
| Participation rate | 85.5% | 65.6%+19.9pp | 78.8%+6.7pp | 67.2%+18.3pp |
| Annual return | 17.25% | 31.73%-14.5pp | 134.41%-117.2pp | 160.69%-143.4pp |
| Employer contribution / active EE | $2,536 | $3,137-19.2% | $4,820-47.4% | $2,671-5.0% |
| Participant deferral / active EE | $4,097 | $3,411+20.1% | $5,682-27.9% | $4,126-0.7% |
| Admin fee / account holder | $750 | $5,949-87.4% | $13,213-94.3% | $5,650-86.7% |