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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 | $44,890 | $106,749-57.9% | $145,433-69.1% | $82,448-45.6% |
| Participation rate | 75.0% | 75.6%-0.6pp | 82.1%-7.1pp | 68.1%+6.9pp |
| Annual return | 14.93% | 27.59%-12.7pp | 66.58%-51.6pp | 41.64%-26.7pp |
| Employer contribution / active EE | $2,620 | $3,444-23.9% | $4,554-42.5% | $2,551+2.7% |
| Participant deferral / active EE | $4,570 | $6,519-29.9% | $7,897-42.1% | $4,139+10.4% |
| Admin fee / account holder | $947 | $8,390-88.7% | $13,129-92.8% | $7,234-86.9% |