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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 | $54,822 | $91,559-40.1% | $133,978-59.1% | $79,856-31.3% |
| Participation rate | 88.5% | 73.3%+15.1pp | 79.8%+8.6pp | 69.6%+18.8pp |
| Annual return | 22.06% | 61.85%-39.8pp | 45.10%-23.0pp | 31.71%-9.6pp |
| Employer contribution / active EE | $2,009 | $2,384-15.7% | $3,919-48.7% | $2,471-18.7% |
| Participant deferral / active EE | $4,387 | $3,734+17.5% | $5,047-13.1% | $3,741+17.3% |
| Admin fee / account holder | $1,049 | $6,321-83.4% | $8,930-88.2% | $5,306-80.2% |