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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 | $48,727 | $87,059-44.0% | $105,608-53.9% | $80,925-39.8% |
| Participation rate | 82.0% | 70.4%+11.5pp | 75.3%+6.7pp | 67.7%+14.3pp |
| Annual return | 15.16% | 17.05%-1.9pp | 116.50%-101.3pp | 35.65%-20.5pp |
| Employer contribution / active EE | $2,168 | $2,396-9.5% | $3,167-31.6% | $2,756-21.4% |
| Participant deferral / active EE | $5,233 | $3,986+31.3% | $5,010+4.5% | $4,299+21.7% |
| Admin fee / account holder | $1,774 | $8,443-79.0% | $11,028-83.9% | $6,940-74.4% |