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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 | $51,230 | $89,364-42.7% | $141,177-63.7% | $72,983-29.8% |
| Participation rate | 90.2% | 75.1%+15.1pp | 82.5%+7.8pp | 69.5%+20.8pp |
| Annual return | 26.49% | 111.86%-85.4pp | 71.40%-44.9pp | 81.01%-54.5pp |
| Employer contribution / active EE | $1,478 | $3,115-52.6% | $4,736-68.8% | $2,440-39.4% |
| Participant deferral / active EE | $4,246 | $5,419-21.6% | $6,710-36.7% | $3,608+17.7% |
| Admin fee / account holder | $752 | $5,959-87.4% | $10,263-92.7% | $5,124-85.3% |