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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 | $50,758 | $80,992-37.3% | $96,534-47.4% | $75,173-32.5% |
| Participation rate | 81.7% | 71.8%+9.9pp | 76.0%+5.7pp | 67.2%+14.5pp |
| Annual return | 17.99% | 27.05%-9.1pp | 25.88%-7.9pp | 160.72%-142.7pp |
| Employer contribution / active EE | $2,836 | $2,283+24.3% | $2,965-4.4% | $2,671+6.2% |
| Participant deferral / active EE | $5,011 | $3,929+27.5% | $4,851+3.3% | $4,126+21.4% |
| Admin fee / account holder | $2,594 | $6,717-61.4% | $8,253-68.6% | $5,651-54.1% |