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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 | $50,915 | $94,031-45.9% | $115,768-56.0% | $82,448-38.2% |
| Participation rate | 80.0% | 70.4%+9.6pp | 74.4%+5.6pp | 68.1%+11.9pp |
| Annual return | 18.46% | 20.61%-2.1pp | 100.46%-82.0pp | 41.64%-23.2pp |
| Employer contribution / active EE | $1,392 | $2,323-40.1% | $2,940-52.6% | $2,551-45.4% |
| Participant deferral / active EE | $3,777 | $3,972-4.9% | $4,917-23.2% | $4,139-8.7% |
| Admin fee / account holder | $3,685 | $10,249-64.0% | $12,439-70.4% | $7,234-49.1% |