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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 | $42,742 | $71,230-40.0% | $93,727-54.4% | $80,959-47.2% |
| Participation rate | 74.7% | 60.4%+14.3pp | 68.7%+6.0pp | 67.7%+7.0pp |
| Annual return | 19.94% | 11.26%+8.7pp | 133.83%-113.9pp | 35.67%-15.7pp |
| Employer contribution / active EE | $1,685 | $1,565+7.7% | $2,421-30.4% | $2,757-38.9% |
| Participant deferral / active EE | $2,483 | $4,037-38.5% | $4,417-43.8% | $4,300-42.3% |
| Admin fee / account holder | $6,070 | $6,961-12.8% | $8,292-26.8% | $6,925-12.4% |