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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 | $54,760 | $77,638-29.5% | $156,551-65.0% | $62,881-12.9% |
| Participation rate | 78.4% | 71.2%+7.2pp | 84.0%-5.6pp | 69.3%+9.1pp |
| Annual return | 6.95% | 50.33%-43.4pp | 32.23%-25.3pp | 20.14%-13.2pp |
| Employer contribution / active EE | $5,236 | $3,444+52.0% | $5,501-4.8% | $2,281+129.5% |
| Participant deferral / active EE | $2,616 | $3,046-14.1% | $4,871-46.3% | $3,203-18.3% |
| Admin fee / account holder | $830 | $5,561-85.1% | $13,028-93.6% | $4,296-80.7% |