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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 | $51,672 | $176,786-70.8% | $146,643-64.8% | $167,536-69.2% |
| Participation rate | 92.9% | 83.6%+9.2pp | 80.1%+12.8pp | 82.1%+10.7pp |
| Annual return | 17.34% | 24.04%-6.7pp | 22.75%-5.4pp | 478.82%-461.5pp |
| Employer contribution / active EE | $1,916 | $5,161-62.9% | $4,137-53.7% | $4,839-60.4% |
| Participant deferral / active EE | $5,490 | $6,440-14.7% | $5,506-0.3% | $6,342-13.4% |
| Admin fee / account holder | $3,793 | $13,262-71.4% | $10,280-63.1% | $12,315-69.2% |