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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 | $48,604 | $87,059-44.2% | $105,608-54.0% | $80,925-39.9% |
| Participation rate | 88.0% | 70.4%+17.6pp | 75.3%+12.7pp | 67.7%+20.3pp |
| Annual return | 14.07% | 17.05%-3.0pp | 116.50%-102.4pp | 35.65%-21.6pp |
| Employer contribution / active EE | $2,556 | $2,396+6.7% | $3,167-19.3% | $2,756-7.3% |
| Participant deferral / active EE | $4,771 | $3,986+19.7% | $5,010-4.8% | $4,299+11.0% |
| Admin fee / account holder | $2,660 | $8,443-68.5% | $11,028-75.9% | $6,940-61.7% |