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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 | $49,683 | $124,980-60.2% | $108,359-54.1% | $154,746-67.9% |
| Participation rate | 85.7% | 75.2%+10.5pp | 70.1%+15.6pp | 80.7%+5.0pp |
| Annual return | 17.54% | 45.00%-27.5pp | 36.89%-19.4pp | 172.34%-154.8pp |
| Employer contribution / active EE | $1,948 | $2,851-31.7% | $2,399-18.8% | $4,379-55.5% |
| Participant deferral / active EE | $4,881 | $4,743+2.9% | $4,137+18.0% | $6,730-27.5% |
| Admin fee / account holder | $5,424 | $11,502-52.8% | $9,741-44.3% | $14,365-62.2% |