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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 | $40,496 | $94,031-56.9% | $115,768-65.0% | $82,448-50.9% |
| Participation rate | 92.3% | 70.4%+21.9pp | 74.4%+17.9pp | 68.1%+24.2pp |
| Annual return | 13.55% | 20.61%-7.1pp | 100.46%-86.9pp | 41.64%-28.1pp |
| Employer contribution / active EE | $2,410 | $2,323+3.7% | $2,940-18.0% | $2,551-5.5% |
| Participant deferral / active EE | $5,345 | $3,972+34.6% | $4,917+8.7% | $4,139+29.1% |
| Admin fee / account holder | $495 | $10,249-95.2% | $12,439-96.0% | $7,234-93.2% |