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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 | $48,913 | $67,602-27.6% | $82,312-40.6% | $70,126-30.2% |
| Participation rate | 83.3% | 72.8%+10.6pp | 76.9%+6.4pp | 69.5%+13.8pp |
| Annual return | 74.16% | 21.57%+52.6pp | 25.88%+48.3pp | 73.15%+1.0pp |
| Employer contribution / active EE | $1,012 | $1,755-42.4% | $2,428-58.3% | $2,343-56.8% |
| Participant deferral / active EE | $5,491 | $2,987+83.8% | $3,706+48.2% | $3,332+64.8% |
| Admin fee / account holder | $3,197 | $4,512-29.1% | $5,608-43.0% | $4,645-31.2% |