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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 | $49,971 | $76,407-34.6% | $150,298-66.8% | $82,448-39.4% |
| Participation rate | 86.3% | 66.4%+19.9pp | 77.8%+8.5pp | 68.1%+18.2pp |
| Annual return | 17.64% | 39.99%-22.4pp | 62.79%-45.1pp | 41.64%-24.0pp |
| Employer contribution / active EE | $2,451 | $2,614-6.3% | $4,154-41.0% | $2,551-3.9% |
| Participant deferral / active EE | $5,181 | $3,214+61.2% | $5,453-5.0% | $4,139+25.2% |
| Admin fee / account holder | $5,202 | $6,352-18.1% | $14,116-63.1% | $7,234-28.1% |