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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 | $39,114 | $101,752-61.6% | $164,928-76.3% | $80,911-51.7% |
| Participation rate | 82.4% | 71.8%+10.6pp | 78.6%+3.8pp | 67.6%+14.8pp |
| Annual return | 21.96% | 16.73%+5.2pp | 70.08%-48.1pp | 35.63%-13.7pp |
| Employer contribution / active EE | $1,276 | $2,953-56.8% | $4,343-70.6% | $2,756-53.7% |
| Participant deferral / active EE | $3,963 | $4,477-11.5% | $6,034-34.3% | $4,297-7.8% |
| Admin fee / account holder | $5,693 | $8,218-30.7% | $12,684-55.1% | $6,935-17.9% |