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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 | $53,425 | $91,559-41.6% | $133,978-60.1% | $79,856-33.1% |
| Participation rate | 75.8% | 73.3%+2.5pp | 79.8%-4.0pp | 69.6%+6.2pp |
| Annual return | 21.04% | 61.85%-40.8pp | 45.10%-24.1pp | 31.71%-10.7pp |
| Employer contribution / active EE | $3,034 | $2,384+27.3% | $3,919-22.6% | $2,471+22.8% |
| Participant deferral / active EE | $5,039 | $3,734+35.0% | $5,047-0.2% | $3,741+34.7% |
| Admin fee / account holder | $477 | $6,321-92.4% | $8,930-94.7% | $5,306-91.0% |