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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 | $51,565 | $77,638-33.6% | $156,551-67.1% | $62,881-18.0% |
| Participation rate | 89.8% | 71.2%+18.6pp | 84.0%+5.8pp | 69.3%+20.5pp |
| Annual return | 7.51% | 50.33%-42.8pp | 32.23%-24.7pp | 20.14%-12.6pp |
| Employer contribution / active EE | $1,821 | $3,444-47.1% | $5,501-66.9% | $2,281-20.2% |
| Participant deferral / active EE | $4,137 | $3,046+35.8% | $4,871-15.1% | $3,203+29.1% |
| Admin fee / account holder | $2,953 | $5,561-46.9% | $13,028-77.3% | $4,296-31.3% |