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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 | $49,377 | $51,202-3.6% | $70,548-30.0% | $75,181-34.3% |
| Participation rate | 85.7% | 61.0%+24.8pp | 68.3%+17.4pp | 67.2%+18.5pp |
| Annual return | 20.19% | 30.05%-9.9pp | 32.78%-12.6pp | 160.69%-140.5pp |
| Employer contribution / active EE | $5,571 | $1,827+205.0% | $2,975+87.3% | $2,671+108.6% |
| Participant deferral / active EE | $3,117 | $2,850+9.4% | $4,567-31.8% | $4,126-24.5% |
| Admin fee / account holder | $1,961 | $4,094-52.1% | $6,424-69.5% | $5,650-65.3% |