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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 | $39,599 | $76,407-48.2% | $150,298-73.7% | $82,448-52.0% |
| Participation rate | 73.5% | 66.4%+7.1pp | 77.8%-4.2pp | 68.1%+5.5pp |
| Annual return | 20.47% | 39.99%-19.5pp | 62.79%-42.3pp | 41.64%-21.2pp |
| Employer contribution / active EE | $1,362 | $2,614-47.9% | $4,154-67.2% | $2,551-46.6% |
| Participant deferral / active EE | $2,993 | $3,214-6.9% | $5,453-45.1% | $4,139-27.7% |
| Admin fee / account holder | $12,983 | $6,352+104.4% | $14,116-8.0% | $7,234+79.5% |