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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 | $87,037-44.0% | $106,201-54.1% | $80,874-39.7% |
| Participation rate | 82.0% | 70.4%+11.5pp | 75.3%+6.7pp | 67.6%+14.3pp |
| Annual return | 15.16% | 17.05%-1.9pp | 116.26%-101.1pp | 35.62%-20.5pp |
| Employer contribution / active EE | $2,168 | $2,396-9.5% | $3,170-31.6% | $2,756-21.3% |
| Participant deferral / active EE | $5,233 | $3,986+31.3% | $5,012+4.4% | $4,297+21.8% |
| Admin fee / account holder | $1,774 | $8,434-79.0% | $11,039-83.9% | $6,935-74.4% |