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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 | $43,089 | $91,559-52.9% | $133,978-67.8% | $79,856-46.0% |
| Participation rate | 71.4% | 73.3%-1.9pp | 79.8%-8.4pp | 69.6%+1.8pp |
| Annual return | 22.39% | 61.85%-39.5pp | 45.10%-22.7pp | 31.71%-9.3pp |
| Employer contribution / active EE | $2,329 | $2,384-2.3% | $3,919-40.6% | $2,471-5.7% |
| Participant deferral / active EE | $5,388 | $3,734+44.3% | $5,047+6.7% | $3,741+44.0% |
| Admin fee / account holder | $1,657 | $6,321-73.8% | $8,930-81.4% | $5,306-68.8% |