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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 | $50,770 | $98,652-48.5% | $142,942-64.5% | $82,448-38.4% |
| Participation rate | 73.5% | 72.8%+0.8pp | 76.8%-3.3pp | 68.1%+5.5pp |
| Annual return | 15.50% | 22.65%-7.2pp | 113.70%-98.2pp | 41.64%-26.1pp |
| Employer contribution / active EE | $2,008 | $3,211-37.5% | $4,139-51.5% | $2,551-21.3% |
| Participant deferral / active EE | $3,231 | $5,580-42.1% | $7,128-54.7% | $4,139-21.9% |
| Admin fee / account holder | $3,493 | $8,078-56.8% | $12,475-72.0% | $7,234-51.7% |