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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 | $51,950 | $73,978-29.8% | $96,515-46.2% | $75,173-30.9% |
| Participation rate | 84.2% | 66.4%+17.8pp | 74.3%+9.9pp | 67.2%+17.0pp |
| Annual return | 26.18% | 26.72%-0.5pp | 35.73%-9.6pp | 160.72%-134.5pp |
| Employer contribution / active EE | $3,923 | $2,931+33.9% | $3,740+4.9% | $2,671+46.9% |
| Participant deferral / active EE | $4,319 | $3,660+18.0% | $4,880-11.5% | $4,126+4.7% |
| Admin fee / account holder | $857 | $5,219-83.6% | $6,735-87.3% | $5,651-84.8% |