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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 | $49,680 | $52,279-5.0% | $89,435-44.5% | $79,856-37.8% |
| Participation rate | 78.0% | 57.5%+20.5pp | 68.0%+10.0pp | 69.6%+8.4pp |
| Annual return | 18.30% | 22.16%-3.9pp | 245.55%-227.3pp | 31.71%-13.4pp |
| Employer contribution / active EE | $781 | $1,572-50.3% | $2,587-69.8% | $2,471-68.4% |
| Participant deferral / active EE | $4,053 | $2,740+47.9% | $3,890+4.2% | $3,741+8.3% |
| Admin fee / account holder | $5,302 | $3,356+58.0% | $4,884+8.5% | $5,306-0.1% |