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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 | $45,396 | $101,795-55.4% | $165,100-72.5% | $80,959-43.9% |
| Participation rate | 78.7% | 71.8%+6.9pp | 78.6%+0.1pp | 67.7%+11.1pp |
| Annual return | 14.55% | 16.73%-2.2pp | 70.21%-55.7pp | 35.67%-21.1pp |
| Employer contribution / active EE | $1,596 | $2,954-46.0% | $4,348-63.3% | $2,757-42.1% |
| Participant deferral / active EE | $4,367 | $4,476-2.4% | $6,035-27.7% | $4,300+1.5% |
| Admin fee / account holder | $2,643 | $8,221-67.9% | $12,696-79.2% | $6,925-61.8% |