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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 | $46,711 | $91,559-49.0% | $133,978-65.1% | $79,856-41.5% |
| Participation rate | 91.4% | 73.3%+18.1pp | 79.8%+11.6pp | 69.6%+21.8pp |
| Annual return | 15.28% | 61.85%-46.6pp | 45.10%-29.8pp | 31.71%-16.4pp |
| Employer contribution / active EE | $1,553 | $2,384-34.9% | $3,919-60.4% | $2,471-37.2% |
| Participant deferral / active EE | $3,761 | $3,734+0.7% | $5,047-25.5% | $3,741+0.6% |
| Admin fee / account holder | $3,266 | $6,321-48.3% | $8,930-63.4% | $5,306-38.4% |