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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 | $46,806 | $93,617-50.0% | $135,982-65.6% | $75,177-37.7% |
| Participation rate | 87.0% | 75.2%+11.8pp | 81.9%+5.0pp | 67.2%+19.8pp |
| Annual return | 19.36% | 30.89%-11.5pp | 68.32%-49.0pp | 160.75%-141.4pp |
| Employer contribution / active EE | $3,685 | $3,538+4.1% | $4,859-24.2% | $2,671+38.0% |
| Participant deferral / active EE | $6,072 | $6,406-5.2% | $7,760-21.7% | $4,126+47.2% |
| Admin fee / account holder | $27,994 | $6,980+301.1% | $10,767+160.0% | $5,651+395.4% |