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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 | $49,017 | $91,167-46.2% | $178,498-72.5% | $79,858-38.6% |
| Participation rate | 71.8% | 69.2%+2.6pp | 81.9%-10.1pp | 69.6%+2.2pp |
| Annual return | 17.95% | 24.19%-6.2pp | 151.09%-133.1pp | 31.72%-13.8pp |
| Employer contribution / active EE | $2,967 | $3,255-8.8% | $5,011-40.8% | $2,471+20.1% |
| Participant deferral / active EE | $4,104 | $3,236+26.8% | $5,202-21.1% | $3,740+9.7% |
| Admin fee / account holder | $1,451 | $6,747-78.5% | $13,985-89.6% | $5,306-72.6% |