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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 | $43,541 | $48,076-9.4% | $78,693-44.7% | $62,891-30.8% |
| Participation rate | 75.5% | 65.2%+10.3pp | 73.6%+2.0pp | 69.3%+6.2pp |
| Annual return | 6.93% | 31.35%-24.4pp | 62.18%-55.2pp | 20.14%-13.2pp |
| Employer contribution / active EE | $1,575 | $2,015-21.8% | $2,850-44.7% | $2,281-30.9% |
| Participant deferral / active EE | $1,169 | $2,588-54.8% | $3,517-66.8% | $3,203-63.5% |
| Admin fee / account holder | $695 | $3,207-78.3% | $4,511-84.6% | $4,296-83.8% |