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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 | $44,138 | $65,395-32.5% | $182,540-75.8% | $72,975-39.5% |
| Participation rate | 80.8% | 65.4%+15.3pp | 78.0%+2.8pp | 69.5%+11.3pp |
| Annual return | 38.96% | 27.68%+11.3pp | 148.58%-109.6pp | 81.01%-42.0pp |
| Employer contribution / active EE | $1,804 | $1,911-5.6% | $4,076-55.7% | $2,440-26.1% |
| Participant deferral / active EE | $4,321 | $3,563+21.3% | $5,525-21.8% | $3,608+19.8% |
| Admin fee / account holder | $1,599 | $4,245-62.3% | $8,593-81.4% | $5,124-68.8% |