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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 | $50,951 | $110,240-53.8% | $96,544-47.2% | $139,487-63.5% |
| Participation rate | 85.7% | 78.1%+7.6pp | 76.0%+9.7pp | 80.3%+5.4pp |
| Annual return | 21.96% | 26.41%-4.5pp | 25.88%-3.9pp | 373.84%-351.9pp |
| Employer contribution / active EE | $1,999 | $3,622-44.8% | $2,966-32.6% | $4,755-57.9% |
| Participant deferral / active EE | $6,966 | $5,549+25.5% | $4,851+43.6% | $6,713+3.8% |
| Admin fee / account holder | $394 | $11,602-96.6% | $8,254-95.2% | $11,407-96.5% |