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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 | $45,407 | $78,423-42.1% | $95,964-52.7% | $79,856-43.1% |
| Participation rate | 76.8% | 73.5%+3.3pp | 77.1%-0.3pp | 69.6%+7.2pp |
| Annual return | 14.77% | 19.37%-4.6pp | 91.64%-76.9pp | 31.71%-16.9pp |
| Employer contribution / active EE | $1,978 | $1,945+1.7% | $2,541-22.2% | $2,471-20.0% |
| Participant deferral / active EE | $3,464 | $3,440+0.7% | $4,167-16.9% | $3,741-7.4% |
| Admin fee / account holder | $2,713 | $5,622-51.7% | $6,797-60.1% | $5,306-48.9% |