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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 | $93,345-48.6% | $119,126-59.8% | $87,485-45.2% |
| Participation rate | 71.8% | 68.7%+3.1pp | 75.8%-3.9pp | 68.9%+2.9pp |
| Annual return | 18.26% | 19.08%-0.8pp | 282.11%-263.8pp | 26.06%-7.8pp |
| Employer contribution / active EE | $2,753 | $3,172-13.2% | $4,034-31.7% | $2,596+6.1% |
| Participant deferral / active EE | $4,925 | $4,099+20.2% | $5,318-7.4% | $4,274+15.2% |
| Admin fee / account holder | $3,089 | $8,039-61.6% | $10,693-71.1% | $7,775-60.3% |