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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 | $52,506 | $88,672-40.8% | $105,223-50.1% | $82,448-36.3% |
| Participation rate | 77.4% | 67.9%+9.5pp | 75.0%+2.4pp | 68.1%+9.4pp |
| Annual return | 14.79% | 30.86%-16.1pp | 180.65%-165.9pp | 41.64%-26.8pp |
| Employer contribution / active EE | $3,467 | $3,048+13.8% | $3,689-6.0% | $2,551+35.9% |
| Participant deferral / active EE | $2,732 | $4,036-32.3% | $5,072-46.1% | $4,139-34.0% |
| Admin fee / account holder | $1,744 | $7,146-75.6% | $8,859-80.3% | $7,234-75.9% |