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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 | $49,054 | $56,110-12.6% | $94,993-48.4% | $70,126-30.0% |
| Participation rate | 96.3% | 65.0%+31.3pp | 73.9%+22.4pp | 69.5%+26.8pp |
| Annual return | 13.45% | 51.02%-37.6pp | 27.14%-13.7pp | 73.15%-59.7pp |
| Employer contribution / active EE | $2,618 | $1,442+81.5% | $2,603+0.6% | $2,343+11.8% |
| Participant deferral / active EE | $2,937 | $2,391+22.8% | $3,317-11.5% | $3,332-11.8% |
| Admin fee / account holder | $4,316 | $3,456+24.9% | $4,960-13.0% | $4,645-7.1% |