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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 | $42,296 | $91,559-53.8% | $133,959-68.4% | $79,858-47.0% |
| Participation rate | 84.6% | 73.3%+11.3pp | 79.8%+4.8pp | 69.6%+15.0pp |
| Annual return | 27.01% | 61.85%-34.8pp | 45.09%-18.1pp | 31.72%-4.7pp |
| Employer contribution / active EE | $3,062 | $2,384+28.4% | $3,919-21.9% | $2,471+23.9% |
| Participant deferral / active EE | $5,446 | $3,734+45.9% | $5,047+7.9% | $3,740+45.6% |
| Admin fee / account holder | $1,124 | $6,321-82.2% | $8,928-87.4% | $5,306-78.8% |