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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 | $53,774 | $103,387-48.0% | $87,102-38.3% | $152,885-64.8% |
| Participation rate | 81.8% | 79.4%+2.5pp | 76.9%+4.9pp | 82.5%-0.6pp |
| Annual return | 23.68% | 28.10%-4.4pp | 28.19%-4.5pp | 345.39%-321.7pp |
| Employer contribution / active EE | $2,215 | $3,221-31.2% | $2,521-12.1% | $4,763-53.5% |
| Participant deferral / active EE | $5,882 | $4,778+23.1% | $4,048+45.3% | $5,851+0.5% |
| Admin fee / account holder | $520 | $12,193-95.7% | $7,491-93.1% | $11,598-95.5% |