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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 | $49,284 | $61,815-20.3% | $97,295-49.3% | $80,959-39.1% |
| Participation rate | 75.0% | 63.5%+11.5pp | 72.7%+2.3pp | 67.7%+7.3pp |
| Annual return | 13.18% | -558.73%+571.9pp | 75.62%-62.4pp | 35.67%-22.5pp |
| Employer contribution / active EE | $1,661 | $1,836-9.5% | $2,723-39.0% | $2,757-39.7% |
| Participant deferral / active EE | $2,980 | $3,027-1.5% | $4,264-30.1% | $4,300-30.7% |
| Admin fee / account holder | $5,562 | $5,166+7.7% | $5,646-1.5% | $6,925-19.7% |