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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 | $49,058 | $48,078+2.0% | $78,676-37.6% | $62,881-22.0% |
| Participation rate | 86.5% | 65.2%+21.3pp | 73.6%+13.0pp | 69.3%+17.2pp |
| Annual return | 7.44% | 31.36%-23.9pp | 62.19%-54.7pp | 20.14%-12.7pp |
| Employer contribution / active EE | $438 | $2,015-78.3% | $2,850-84.6% | $2,281-80.8% |
| Participant deferral / active EE | $2,464 | $2,587-4.8% | $3,517-29.9% | $3,203-23.1% |
| Admin fee / account holder | $1,743 | $3,206-45.6% | $4,510-61.3% | $4,296-59.4% |