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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 | $38,996 | $78,423-50.3% | $95,964-59.4% | $79,856-51.2% |
| Participation rate | 71.9% | 73.5%-1.6pp | 77.1%-5.2pp | 69.6%+2.3pp |
| Annual return | 21.47% | 19.37%+2.1pp | 91.64%-70.2pp | 31.71%-10.2pp |
| Employer contribution / active EE | $1,894 | $1,945-2.6% | $2,541-25.5% | $2,471-23.4% |
| Participant deferral / active EE | $3,418 | $3,440-0.6% | $4,167-18.0% | $3,741-8.6% |
| Admin fee / account holder | $1,238 | $5,622-78.0% | $6,797-81.8% | $5,306-76.7% |