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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 | $99,875-42.4% | $146,866-60.8% | $86,983-33.8% |
| Participation rate | 84.1% | 75.8%+8.3pp | 82.5%+1.6pp | 69.5%+14.5pp |
| Annual return | 19.87% | 28.10%-8.2pp | 102.85%-83.0pp | 25.83%-6.0pp |
| Employer contribution / active EE | $4,765 | $3,224+47.8% | $4,425+7.7% | $2,584+84.4% |
| Participant deferral / active EE | $4,246 | $6,322-32.8% | $7,759-45.3% | $4,194+1.2% |
| Admin fee / account holder | $797 | $7,838-89.8% | $13,620-94.1% | $7,856-89.9% |