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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 | $59,888 | $84,236-28.9% | $170,435-64.9% | $70,126-14.6% |
| Participation rate | 86.5% | 70.8%+15.7pp | 83.6%+2.9pp | 69.5%+16.9pp |
| Annual return | 22.38% | 23.06%-0.7pp | 205.94%-183.6pp | 73.15%-50.8pp |
| Employer contribution / active EE | $1,805 | $3,387-46.7% | $5,432-66.8% | $2,343-23.0% |
| Participant deferral / active EE | $5,297 | $3,086+71.7% | $4,939+7.2% | $3,332+59.0% |
| Admin fee / account holder | $857 | $5,698-85.0% | $13,881-93.8% | $4,645-81.5% |