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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 | $42,265 | $72,492-41.7% | $87,104-51.5% | $72,975-42.1% |
| Participation rate | 74.1% | 72.8%+1.3pp | 76.9%-2.8pp | 69.5%+4.6pp |
| Annual return | 37.41% | 24.46%+13.0pp | 28.19%+9.2pp | 81.01%-43.6pp |
| Employer contribution / active EE | $1,559 | $1,894-17.7% | $2,521-38.2% | $2,440-36.1% |
| Participant deferral / active EE | $3,118 | $3,270-4.6% | $4,048-23.0% | $3,608-13.6% |
| Admin fee / account holder | $1,615 | $5,055-68.1% | $7,491-78.4% | $5,124-68.5% |