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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 | $54,925 | $65,041-15.6% | $90,965-39.6% | $79,858-31.2% |
| Participation rate | 71.0% | 61.6%+9.4pp | 69.0%+2.0pp | 69.6%+1.3pp |
| Annual return | 16.10% | 30.45%-14.4pp | 134.57%-118.5pp | 31.72%-15.6pp |
| Employer contribution / active EE | $1,175 | $1,247-5.8% | $2,122-44.6% | $2,471-52.5% |
| Participant deferral / active EE | $3,520 | $2,512+40.1% | $3,373+4.3% | $3,740-5.9% |
| Admin fee / account holder | $2,419 | $4,536-46.7% | $5,960-59.4% | $5,306-54.4% |