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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 | $81,233-42.2% | $155,567-69.8% | $80,874-42.0% |
| Participation rate | 70.1% | 66.2%+3.9pp | 78.2%-8.0pp | 67.6%+2.5pp |
| Annual return | 13.01% | 33.33%-20.3pp | 64.74%-51.7pp | 35.62%-22.6pp |
| Employer contribution / active EE | $5,140 | $3,101+65.8% | $4,674+10.0% | $2,756+86.5% |
| Participant deferral / active EE | $3,672 | $3,452+6.4% | $5,628-34.7% | $4,297-14.5% |
| Admin fee / account holder | $706 | $7,998-91.2% | $15,916-95.6% | $6,935-89.8% |