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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 | $54,077 | $93,345-42.1% | $119,126-54.6% | $87,485-38.2% |
| Participation rate | 81.4% | 68.7%+12.6pp | 75.8%+5.6pp | 68.9%+12.4pp |
| Annual return | 16.12% | 19.08%-3.0pp | 282.11%-266.0pp | 26.06%-9.9pp |
| Employer contribution / active EE | $2,513 | $3,172-20.8% | $4,034-37.7% | $2,596-3.2% |
| Participant deferral / active EE | $5,206 | $4,099+27.0% | $5,318-2.1% | $4,274+21.8% |
| Admin fee / account holder | $6,642 | $8,039-17.4% | $10,693-37.9% | $7,775-14.6% |