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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 | $51,862 | $93,617-44.6% | $135,982-61.9% | $75,177-31.0% |
| Participation rate | 86.3% | 75.2%+11.1pp | 81.9%+4.4pp | 67.2%+19.1pp |
| Annual return | 20.45% | 30.89%-10.4pp | 68.32%-47.9pp | 160.75%-140.3pp |
| Employer contribution / active EE | $3,977 | $3,538+12.4% | $4,859-18.1% | $2,671+48.9% |
| Participant deferral / active EE | $10,455 | $6,406+63.2% | $7,760+34.7% | $4,126+153.4% |
| Admin fee / account holder | $2,585 | $6,980-63.0% | $10,767-76.0% | $5,651-54.3% |