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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 | $52,679 | $112,729-53.3% | $98,716-46.6% | $137,256-61.6% |
| Participation rate | 77.8% | 74.2%+3.6pp | 69.3%+8.5pp | 80.0%-2.2pp |
| Annual return | 21.83% | 38.48%-16.7pp | 31.81%-10.0pp | 220.34%-198.5pp |
| Employer contribution / active EE | $2,934 | $2,725+7.6% | $2,279+28.7% | $4,156-29.4% |
| Participant deferral / active EE | $5,489 | $4,640+18.3% | $4,048+35.6% | $6,407-14.3% |
| Admin fee / account holder | $4,801 | $10,129-52.6% | $8,703-44.8% | $12,270-60.9% |