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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 | $58,214 | $88,672-34.3% | $105,223-44.7% | $82,448-29.4% |
| Participation rate | 88.1% | 67.9%+20.2pp | 75.0%+13.1pp | 68.1%+20.0pp |
| Annual return | 17.87% | 30.86%-13.0pp | 180.65%-162.8pp | 41.64%-23.8pp |
| Employer contribution / active EE | $2,171 | $3,048-28.8% | $3,689-41.1% | $2,551-14.9% |
| Participant deferral / active EE | $5,466 | $4,036+35.4% | $5,072+7.8% | $4,139+32.1% |
| Admin fee / account holder | $1,877 | $7,146-73.7% | $8,859-78.8% | $7,234-74.1% |