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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 | $50,767 | $85,060-40.3% | $70,565-28.1% | $139,487-63.6% |
| Participation rate | 95.8% | 73.9%+21.9pp | 68.4%+27.5pp | 80.3%+15.5pp |
| Annual return | 12.46% | 30.39%-17.9pp | 32.79%-20.3pp | 373.84%-361.4pp |
| Employer contribution / active EE | $2,013 | $3,912-48.5% | $2,976-32.3% | $4,755-57.7% |
| Participant deferral / active EE | $4,716 | $5,891-19.9% | $4,568+3.2% | $6,713-29.7% |
| Admin fee / account holder | $2,405 | $8,932-73.1% | $6,430-62.6% | $11,407-78.9% |