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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 | $47,083 | $114,013-58.7% | $103,693-54.6% | $155,188-69.7% |
| Participation rate | 95.8% | 75.2%+20.6pp | 72.6%+23.2pp | 80.8%+15.0pp |
| Annual return | 17.50% | 49.31%-31.8pp | 47.61%-30.1pp | 148.84%-131.3pp |
| Employer contribution / active EE | $3,034 | $3,131-3.1% | $2,920+3.9% | $4,248-28.6% |
| Participant deferral / active EE | $5,862 | $4,970+18.0% | $4,579+28.0% | $6,531-10.2% |
| Admin fee / account holder | $3,104 | $8,407-63.1% | $7,858-60.5% | $14,480-78.6% |