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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 | $44,722 | $94,031-52.4% | $115,768-61.4% | $82,448-45.8% |
| Participation rate | 76.9% | 70.4%+6.5pp | 74.4%+2.5pp | 68.1%+8.9pp |
| Annual return | 16.17% | 20.61%-4.4pp | 100.46%-84.3pp | 41.64%-25.5pp |
| Employer contribution / active EE | $1,293 | $2,323-44.3% | $2,940-56.0% | $2,551-49.3% |
| Participant deferral / active EE | $3,139 | $3,972-21.0% | $4,917-36.2% | $4,139-24.2% |
| Admin fee / account holder | $1,660 | $10,249-83.8% | $12,439-86.7% | $7,234-77.1% |