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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 | $58,727 | $87,060-32.5% | $105,591-44.4% | $80,911-27.4% |
| Participation rate | 71.4% | 70.4%+1.0pp | 75.3%-3.9pp | 67.6%+3.8pp |
| Annual return | 15.84% | 17.05%-1.2pp | 116.43%-100.6pp | 35.63%-19.8pp |
| Employer contribution / active EE | $2,024 | $2,396-15.5% | $3,166-36.1% | $2,756-26.6% |
| Participant deferral / active EE | $3,708 | $3,986-7.0% | $5,008-26.0% | $4,297-13.7% |
| Admin fee / account holder | $3,746 | $8,442-55.6% | $11,024-66.0% | $6,935-46.0% |