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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 | $46,914 | $81,276-42.3% | $155,574-69.8% | $80,925-42.0% |
| Participation rate | 70.1% | 66.2%+3.9pp | 78.2%-8.1pp | 67.7%+2.5pp |
| Annual return | 13.01% | 33.36%-20.4pp | 64.87%-51.9pp | 35.65%-22.6pp |
| Employer contribution / active EE | $5,140 | $3,103+65.7% | $4,676+9.9% | $2,756+86.5% |
| Participant deferral / active EE | $3,672 | $3,453+6.4% | $5,629-34.8% | $4,299-14.6% |
| Admin fee / account holder | $706 | $7,993-91.2% | $15,914-95.6% | $6,940-89.8% |