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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 | $50,954 | $110,240-53.8% | $96,544-47.2% | $139,487-63.5% |
| Participation rate | 90.5% | 78.1%+12.3pp | 76.0%+14.5pp | 80.3%+10.1pp |
| Annual return | 18.58% | 26.41%-7.8pp | 25.88%-7.3pp | 373.84%-355.3pp |
| Employer contribution / active EE | $2,651 | $3,622-26.8% | $2,966-10.6% | $4,755-44.3% |
| Participant deferral / active EE | $5,703 | $5,549+2.8% | $4,851+17.6% | $6,713-15.0% |
| Admin fee / account holder | $5,629 | $11,602-51.5% | $8,254-31.8% | $11,407-50.7% |