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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 | $39,489 | $49,255-19.8% | $70,494-44.0% | $79,856-50.5% |
| Participation rate | 82.1% | 69.2%+13.0pp | 75.1%+7.1pp | 69.6%+12.5pp |
| Annual return | 14.69% | 30.10%-15.4pp | 109.16%-94.5pp | 31.71%-17.0pp |
| Employer contribution / active EE | $1,319 | $2,100-37.2% | $2,738-51.8% | $2,471-46.6% |
| Participant deferral / active EE | $7,762 | $2,768+180.4% | $3,711+109.2% | $3,741+107.5% |
| Admin fee / account holder | $3,085 | $2,879+7.2% | $3,848-19.8% | $5,306-41.9% |