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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 | $50,845 | $68,573-25.9% | $120,368-57.8% | $80,874-37.1% |
| Participation rate | 92.8% | 61.6%+31.2pp | 71.9%+20.8pp | 67.6%+25.1pp |
| Annual return | 13.24% | 23.61%-10.4pp | 107.26%-94.0pp | 35.62%-22.4pp |
| Employer contribution / active EE | $2,862 | $2,052+39.5% | $3,465-17.4% | $2,756+3.9% |
| Participant deferral / active EE | $4,765 | $3,174+50.1% | $4,991-4.5% | $4,297+10.9% |
| Admin fee / account holder | $5,360 | $5,734-6.5% | $9,429-43.2% | $6,935-22.7% |