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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 | $47,558 | $88,672-46.4% | $105,223-54.8% | $82,448-42.3% |
| Participation rate | 79.3% | 67.9%+11.4pp | 75.0%+4.3pp | 68.1%+11.2pp |
| Annual return | 16.45% | 30.86%-14.4pp | 180.65%-164.2pp | 41.64%-25.2pp |
| Employer contribution / active EE | $1,599 | $3,048-47.5% | $3,689-56.7% | $2,551-37.3% |
| Participant deferral / active EE | $3,811 | $4,036-5.6% | $5,072-24.8% | $4,139-7.9% |
| Admin fee / account holder | $8,125 | $7,146+13.7% | $8,859-8.3% | $7,234+12.3% |