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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 | $59,524 | $77,638-23.3% | $156,551-62.0% | $62,881-5.3% |
| Participation rate | 93.0% | 71.2%+21.8pp | 84.0%+9.0pp | 69.3%+23.7pp |
| Annual return | 7.40% | 50.33%-42.9pp | 32.23%-24.8pp | 20.14%-12.7pp |
| Employer contribution / active EE | $1,818 | $3,444-47.2% | $5,501-66.9% | $2,281-20.3% |
| Participant deferral / active EE | $2,998 | $3,046-1.6% | $4,871-38.5% | $3,203-6.4% |
| Admin fee / account holder | $4,262 | $5,561-23.4% | $13,028-67.3% | $4,296-0.8% |