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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 | $54,899 | $63,354-13.3% | $94,105-41.7% | $82,637-33.6% |
| Participation rate | 74.1% | 63.8%+10.2pp | 71.9%+2.1pp | 68.1%+6.0pp |
| Annual return | 16.14% | 34.36%-18.2pp | 204.55%-188.4pp | 53.51%-37.4pp |
| Employer contribution / active EE | $1,849 | $1,760+5.1% | $2,504-26.2% | $2,552-27.6% |
| Participant deferral / active EE | $3,745 | $2,873+30.3% | $3,881-3.5% | $4,126-9.2% |
| Admin fee / account holder | $8,123 | $5,073+60.1% | $6,199+31.0% | $7,339+10.7% |