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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 | $57,554 | $107,421-46.4% | $182,262-68.4% | $94,015-38.8% |
| Participation rate | 84.1% | 77.8%+6.3pp | 84.2%-0.1pp | 70.8%+13.3pp |
| Annual return | 19.87% | 21.32%-1.4pp | 140.60%-120.7pp | 17.84%+2.0pp |
| Employer contribution / active EE | $4,765 | $3,448+38.2% | $5,046-5.6% | $2,790+70.8% |
| Participant deferral / active EE | $4,246 | $6,558-35.3% | $8,276-48.7% | $4,249-0.1% |
| Admin fee / account holder | $797 | $8,692-90.8% | $16,712-95.2% | $8,951-91.1% |