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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 | $156,616-68.3% | $133,346-62.7% | $198,609-75.0% |
| Participation rate | 85.7% | 77.7%+8.0pp | 72.8%+12.9pp | 82.4%+3.3pp |
| Annual return | 17.54% | 44.25%-26.7pp | 36.85%-19.3pp | 202.70%-185.2pp |
| Employer contribution / active EE | $1,948 | $3,368-42.2% | $2,853-31.7% | $5,055-61.5% |
| Participant deferral / active EE | $4,881 | $4,920-0.8% | $4,332+12.7% | $6,977-30.0% |
| Admin fee / account holder | $5,424 | $17,468-68.9% | $14,264-62.0% | $19,030-71.5% |