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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 | $78,690-36.5% | $161,489-69.1% | $87,485-42.9% |
| Participation rate | 86.3% | 67.5%+18.8pp | 78.7%+7.6pp | 68.9%+17.3pp |
| Annual return | 17.64% | 32.74%-15.1pp | 89.72%-72.1pp | 26.06%-8.4pp |
| Employer contribution / active EE | $2,451 | $2,588-5.3% | $4,268-42.6% | $2,596-5.6% |
| Participant deferral / active EE | $5,181 | $3,311+56.5% | $5,630-8.0% | $4,274+21.2% |
| Admin fee / account holder | $5,202 | $6,724-22.6% | $16,006-67.5% | $7,775-33.1% |