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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 | $52,908 | $58,848-10.1% | $88,179-40.0% | $82,637-36.0% |
| Participation rate | 83.9% | 57.9%+26.0pp | 69.1%+14.7pp | 68.1%+15.8pp |
| Annual return | 14.56% | 22.76%-8.2pp | 64.97%-50.4pp | 53.51%-38.9pp |
| Employer contribution / active EE | $1,932 | $1,678+15.1% | $2,549-24.2% | $2,552-24.3% |
| Participant deferral / active EE | $3,081 | $3,124-1.4% | $4,614-33.2% | $4,126-25.3% |
| Admin fee / account holder | $4,411 | $4,795-8.0% | $7,673-42.5% | $7,339-39.9% |