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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 | $53,802 | $58,848-8.6% | $88,179-39.0% | $82,637-34.9% |
| Participation rate | 80.3% | 57.9%+22.4pp | 69.1%+11.1pp | 68.1%+12.2pp |
| Annual return | 21.82% | 22.76%-0.9pp | 64.97%-43.2pp | 53.51%-31.7pp |
| Employer contribution / active EE | $2,359 | $1,678+40.5% | $2,549-7.5% | $2,552-7.6% |
| Participant deferral / active EE | $8,317 | $3,124+166.3% | $4,614+80.3% | $4,126+101.6% |
| Admin fee / account holder | $3,788 | $4,795-21.0% | $7,673-50.6% | $7,339-48.4% |