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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 | $46,923 | $85,766-45.3% | $136,298-65.6% | $70,126-33.1% |
| Participation rate | 84.8% | 74.2%+10.7pp | 81.9%+2.9pp | 69.5%+15.3pp |
| Annual return | 17.41% | 31.46%-14.0pp | 5156.27%-5138.9pp | 73.15%-55.7pp |
| Employer contribution / active EE | $3,551 | $2,966+19.7% | $4,696-24.4% | $2,343+51.6% |
| Participant deferral / active EE | $6,557 | $5,051+29.8% | $6,247+5.0% | $3,332+96.8% |
| Admin fee / account holder | $4,834 | $5,421-10.8% | $9,244-47.7% | $4,645+4.1% |