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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 | $55,593 | $49,976+11.2% | $66,674-16.6% | $82,637-32.7% |
| Participation rate | 75.5% | 63.1%+12.4pp | 73.7%+1.8pp | 68.1%+7.5pp |
| Annual return | 16.70% | 39.09%-22.4pp | 321.24%-304.5pp | 53.51%-36.8pp |
| Employer contribution / active EE | $1,476 | $1,988-25.8% | $2,620-43.7% | $2,552-42.2% |
| Participant deferral / active EE | $3,400 | $2,847+19.5% | $4,084-16.7% | $4,126-17.6% |
| Admin fee / account holder | $2,746 | $4,594-40.2% | $5,098-46.1% | $7,339-62.6% |