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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 | $53,447 | $103,393-48.3% | $87,103-38.6% | $152,909-65.0% |
| Participation rate | 90.9% | 79.4%+11.6pp | 76.9%+14.0pp | 82.5%+8.5pp |
| Annual return | 26.32% | 28.10%-1.8pp | 28.19%-1.9pp | 345.46%-319.1pp |
| Employer contribution / active EE | $1,549 | $3,221-51.9% | $2,521-38.6% | $4,764-67.5% |
| Participant deferral / active EE | $5,225 | $4,778+9.3% | $4,049+29.0% | $5,851-10.7% |
| Admin fee / account holder | $2,424 | $12,195-80.1% | $7,491-67.6% | $11,601-79.1% |