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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 | $49,117 | $106,267-53.8% | $96,520-49.1% | $139,456-64.8% |
| Participation rate | 86.7% | 77.8%+8.8pp | 74.3%+12.3pp | 80.3%+6.3pp |
| Annual return | 16.39% | 38.45%-22.1pp | 35.72%-19.3pp | 373.45%-357.1pp |
| Employer contribution / active EE | $2,026 | $4,105-50.6% | $3,739-45.8% | $4,753-57.4% |
| Participant deferral / active EE | $4,048 | $5,454-25.8% | $4,879-17.0% | $6,711-39.7% |
| Admin fee / account holder | $2,491 | $7,882-68.4% | $6,733-63.0% | $11,407-78.2% |