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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 | $44,998 | $77,638-42.0% | $156,551-71.3% | $62,881-28.4% |
| Participation rate | 84.3% | 71.2%+13.1pp | 84.0%+0.3pp | 69.3%+15.0pp |
| Annual return | 6.03% | 50.33%-44.3pp | 32.23%-26.2pp | 20.14%-14.1pp |
| Employer contribution / active EE | $2,347 | $3,444-31.8% | $5,501-57.3% | $2,281+2.9% |
| Participant deferral / active EE | $5,322 | $3,046+74.7% | $4,871+9.3% | $3,203+66.2% |
| Admin fee / account holder | $3,035 | $5,561-45.4% | $13,028-76.7% | $4,296-29.4% |