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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 | $48,462 | $94,031-48.5% | $115,768-58.1% | $82,448-41.2% |
| Participation rate | 94.1% | 70.4%+23.7pp | 74.4%+19.7pp | 68.1%+26.0pp |
| Annual return | 17.69% | 20.61%-2.9pp | 100.46%-82.8pp | 41.64%-23.9pp |
| Employer contribution / active EE | $2,217 | $2,323-4.6% | $2,940-24.6% | $2,551-13.1% |
| Participant deferral / active EE | $5,750 | $3,972+44.8% | $4,917+16.9% | $4,139+38.9% |
| Admin fee / account holder | $6,899 | $10,249-32.7% | $12,439-44.5% | $7,234-4.6% |