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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 | $47,088 | $91,198-48.4% | $178,503-73.6% | $79,856-41.0% |
| Participation rate | 84.9% | 69.2%+15.7pp | 81.9%+3.0pp | 69.6%+15.2pp |
| Annual return | 16.31% | 24.20%-7.9pp | 151.12%-134.8pp | 31.71%-15.4pp |
| Employer contribution / active EE | $2,761 | $3,257-15.2% | $5,011-44.9% | $2,471+11.7% |
| Participant deferral / active EE | $3,217 | $3,237-0.6% | $5,202-38.2% | $3,741-14.0% |
| Admin fee / account holder | $3,630 | $6,748-46.2% | $13,987-74.1% | $5,306-31.6% |