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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 | $58,278 | $88,672-34.3% | $105,223-44.6% | $82,448-29.3% |
| Participation rate | 84.6% | 67.9%+16.7pp | 75.0%+9.6pp | 68.1%+16.5pp |
| Annual return | 16.85% | 30.86%-14.0pp | 180.65%-163.8pp | 41.64%-24.8pp |
| Employer contribution / active EE | $2,952 | $3,048-3.2% | $3,689-20.0% | $2,551+15.7% |
| Participant deferral / active EE | $4,932 | $4,036+22.2% | $5,072-2.7% | $4,139+19.2% |
| Admin fee / account holder | $3,032 | $7,146-57.6% | $8,859-65.8% | $7,234-58.1% |