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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 | $47,937 | $88,672-45.9% | $105,223-54.4% | $82,448-41.9% |
| Participation rate | 71.8% | 67.9%+3.9pp | 75.0%-3.2pp | 68.1%+3.8pp |
| Annual return | 18.26% | 30.86%-12.6pp | 180.65%-162.4pp | 41.64%-23.4pp |
| Employer contribution / active EE | $2,753 | $3,048-9.7% | $3,689-25.4% | $2,551+7.9% |
| Participant deferral / active EE | $4,925 | $4,036+22.0% | $5,072-2.9% | $4,139+19.0% |
| Admin fee / account holder | $3,089 | $7,146-56.8% | $8,859-65.1% | $7,234-57.3% |