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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 | $44,747 | $93,617-52.2% | $135,982-67.1% | $75,177-40.5% |
| Participation rate | 78.9% | 75.2%+3.7pp | 81.9%-3.0pp | 67.2%+11.7pp |
| Annual return | 46.86% | 30.89%+16.0pp | 68.32%-21.5pp | 160.75%-113.9pp |
| Employer contribution / active EE | $2,812 | $3,538-20.5% | $4,859-42.1% | $2,671+5.3% |
| Participant deferral / active EE | $5,577 | $6,406-12.9% | $7,760-28.1% | $4,126+35.1% |
| Admin fee / account holder | $309 | $6,980-95.6% | $10,767-97.1% | $5,651-94.5% |