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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 | $47,197 | $89,370-47.2% | $141,197-66.6% | $72,976-35.3% |
| Participation rate | 76.5% | 75.1%+1.3pp | 82.5%-6.0pp | 69.5%+7.0pp |
| Annual return | 23.48% | 111.88%-88.4pp | 71.41%-47.9pp | 81.02%-57.5pp |
| Employer contribution / active EE | $1,958 | $3,115-37.1% | $4,736-58.7% | $2,440-19.8% |
| Participant deferral / active EE | $4,482 | $5,419-17.3% | $6,710-33.2% | $3,608+24.2% |
| Admin fee / account holder | $410 | $5,957-93.1% | $10,265-96.0% | $5,124-92.0% |