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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 | $47,304 | $77,638-39.1% | $156,551-69.8% | $62,881-24.8% |
| Participation rate | 82.1% | 71.2%+10.9pp | 84.0%-2.0pp | 69.3%+12.7pp |
| Annual return | 31.23% | 50.33%-19.1pp | 32.23%-1.0pp | 20.14%+11.1pp |
| Employer contribution / active EE | $2,832 | $3,444-17.8% | $5,501-48.5% | $2,281+24.2% |
| Participant deferral / active EE | $4,461 | $3,046+46.5% | $4,871-8.4% | $3,203+39.3% |
| Admin fee / account holder | $553 | $5,561-90.1% | $13,028-95.8% | $4,296-87.1% |