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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 | $36,559 | $88,672-58.8% | $105,223-65.3% | $82,448-55.7% |
| Participation rate | 78.0% | 67.9%+10.1pp | 75.0%+3.0pp | 68.1%+10.0pp |
| Annual return | 24.24% | 30.86%-6.6pp | 180.65%-156.4pp | 41.64%-17.4pp |
| Employer contribution / active EE | $1,952 | $3,048-36.0% | $3,689-47.1% | $2,551-23.5% |
| Participant deferral / active EE | $5,455 | $4,036+35.2% | $5,072+7.6% | $4,139+31.8% |
| Admin fee / account holder | $1,022 | $7,146-85.7% | $8,859-88.5% | $7,234-85.9% |