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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 | $57,049 | $49,976+14.2% | $66,674-14.4% | $82,637-31.0% |
| Participation rate | 82.4% | 63.1%+19.3pp | 73.7%+8.7pp | 68.1%+14.3pp |
| Annual return | 17.11% | 39.09%-22.0pp | 321.24%-304.1pp | 53.51%-36.4pp |
| Employer contribution / active EE | $2,116 | $1,988+6.4% | $2,620-19.2% | $2,552-17.1% |
| Participant deferral / active EE | $3,372 | $2,847+18.5% | $4,084-17.4% | $4,126-18.3% |
| Admin fee / account holder | $2,249 | $4,594-51.0% | $5,098-55.9% | $7,339-69.4% |