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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 | $54,936 | $88,672-38.0% | $105,223-47.8% | $82,448-33.4% |
| Participation rate | 92.3% | 67.9%+24.4pp | 75.0%+17.3pp | 68.1%+24.2pp |
| Annual return | 14.94% | 30.86%-15.9pp | 180.65%-165.7pp | 41.64%-26.7pp |
| Employer contribution / active EE | $2,411 | $3,048-20.9% | $3,689-34.6% | $2,551-5.5% |
| Participant deferral / active EE | $5,636 | $4,036+39.6% | $5,072+11.1% | $4,139+36.2% |
| Admin fee / account holder | $3,475 | $7,146-51.4% | $8,859-60.8% | $7,234-52.0% |