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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 | $45,891 | $90,486-49.3% | $78,676-41.7% | $273,972-83.2% |
| Participation rate | 80.0% | 76.5%+3.5pp | 73.6%+6.4pp | 83.0%-3.0pp |
| Annual return | 7.26% | 75.62%-68.4pp | 62.19%-54.9pp | 41.46%-34.2pp |
| Employer contribution / active EE | $3,649 | $3,175+14.9% | $2,850+28.0% | $4,869-25.1% |
| Participant deferral / active EE | $8,481 | $3,901+117.4% | $3,517+141.2% | $5,287+60.4% |
| Admin fee / account holder | $9,630 | $5,263+83.0% | $4,510+113.5% | $10,133-5.0% |