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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 | $47,962 | $127,296-62.3% | $109,907-56.4% | $167,536-71.4% |
| Participation rate | 80.0% | 77.9%+2.1pp | 74.2%+5.8pp | 82.1%-2.1pp |
| Annual return | 17.48% | 22.97%-5.5pp | 29.46%-12.0pp | 478.82%-461.3pp |
| Employer contribution / active EE | $2,349 | $3,325-29.4% | $2,844-17.4% | $4,839-51.5% |
| Participant deferral / active EE | $5,285 | $4,513+17.1% | $4,047+30.6% | $6,342-16.7% |
| Admin fee / account holder | $3,986 | $7,119-44.0% | $6,069-34.3% | $12,315-67.6% |