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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 | $49,038 | $69,274-29.2% | $64,097-23.5% | $139,487-64.8% |
| Participation rate | 82.4% | 75.6%+6.7pp | 72.3%+10.0pp | 80.3%+2.0pp |
| Annual return | 16.74% | 46.00%-29.3pp | 33.75%-17.0pp | 373.84%-357.1pp |
| Employer contribution / active EE | $2,524 | $3,187-20.8% | $2,750-8.2% | $4,755-46.9% |
| Participant deferral / active EE | $5,660 | $4,685+20.8% | $3,881+45.8% | $6,713-15.7% |
| Admin fee / account holder | $969 | $4,247-77.2% | $3,070-68.4% | $11,407-91.5% |