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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 | $53,566 | $110,240-51.4% | $96,544-44.5% | $139,487-61.6% |
| Participation rate | 95.2% | 78.1%+17.1pp | 76.0%+19.3pp | 80.3%+14.9pp |
| Annual return | 9.65% | 26.41%-16.8pp | 25.88%-16.2pp | 373.84%-364.2pp |
| Employer contribution / active EE | $2,377 | $3,622-34.4% | $2,966-19.9% | $4,755-50.0% |
| Participant deferral / active EE | $5,168 | $5,549-6.9% | $4,851+6.5% | $6,713-23.0% |
| Admin fee / account holder | $3,121 | $11,602-73.1% | $8,254-62.2% | $11,407-72.6% |