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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 | $71,205 | $91,559-22.2% | $133,959-46.8% | $79,858-10.8% |
| Participation rate | 75.0% | 73.3%+1.7pp | 79.8%-4.8pp | 69.6%+5.4pp |
| Annual return | 22.10% | 61.85%-39.8pp | 45.09%-23.0pp | 31.72%-9.6pp |
| Employer contribution / active EE | $2,025 | $2,384-15.1% | $3,919-48.3% | $2,471-18.0% |
| Participant deferral / active EE | $4,368 | $3,734+17.0% | $5,047-13.5% | $3,740+16.8% |
| Admin fee / account holder | $393 | $6,321-93.8% | $8,928-95.6% | $5,306-92.6% |