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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 | $45,073 | $78,428-42.5% | $95,960-53.0% | $79,852-43.6% |
| Participation rate | 84.1% | 73.5%+10.6pp | 77.1%+7.0pp | 69.6%+14.5pp |
| Annual return | 12.07% | 19.37%-7.3pp | 91.63%-79.6pp | 31.72%-19.6pp |
| Employer contribution / active EE | $1,885 | $1,945-3.1% | $2,541-25.8% | $2,471-23.7% |
| Participant deferral / active EE | $2,498 | $3,440-27.4% | $4,167-40.1% | $3,740-33.2% |
| Admin fee / account holder | $3,678 | $5,622-34.6% | $6,797-45.9% | $5,306-30.7% |