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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 | $57,173 | $49,976+14.4% | $66,674-14.2% | $82,637-30.8% |
| Participation rate | 78.6% | 63.1%+15.5pp | 73.7%+4.9pp | 68.1%+10.5pp |
| Annual return | 13.44% | 39.09%-25.6pp | 321.24%-307.8pp | 53.51%-40.1pp |
| Employer contribution / active EE | $1,856 | $1,988-6.7% | $2,620-29.2% | $2,552-27.3% |
| Participant deferral / active EE | $3,858 | $2,847+35.5% | $4,084-5.5% | $4,126-6.5% |
| Admin fee / account holder | $2,812 | $4,594-38.8% | $5,098-44.8% | $7,339-61.7% |