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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 | $68,878-26.2% | $120,574-57.8% | $80,935-37.2% |
| Participation rate | 92.8% | 61.7%+31.1pp | 71.9%+20.8pp | 67.7%+25.1pp |
| Annual return | 13.24% | 23.67%-10.4pp | 107.42%-94.2pp | 35.66%-22.4pp |
| Employer contribution / active EE | $2,862 | $2,065+38.6% | $3,471-17.5% | $2,757+3.8% |
| Participant deferral / active EE | $4,765 | $3,189+49.4% | $4,996-4.6% | $4,299+10.8% |
| Admin fee / account holder | $5,360 | $5,782-7.3% | $9,445-43.3% | $6,924-22.6% |