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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 | $23,155 | $65,364-64.6% | $92,909-75.1% | $72,975-68.3% |
| Participation rate | 76.9% | 68.3%+8.6pp | 76.0%+0.9pp | 69.5%+7.4pp |
| Annual return | 19.66% | 42.11%-22.4pp | 109.44%-89.8pp | 81.01%-61.4pp |
| Employer contribution / active EE | $3,407 | $2,594+31.3% | $3,653-6.8% | $2,440+39.6% |
| Participant deferral / active EE | $4,953 | $3,128+58.3% | $4,238+16.9% | $3,608+37.3% |
| Admin fee / account holder | $5,023 | $4,251+18.2% | $5,795-13.3% | $5,124-2.0% |