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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 | $48,221 | $108,825-55.7% | $156,181-69.1% | $82,448-41.5% |
| Participation rate | 78.0% | 72.4%+5.6pp | 78.8%-0.8pp | 68.1%+9.9pp |
| Annual return | 20.38% | 20.59%-0.2pp | 64.87%-44.5pp | 41.64%-21.3pp |
| Employer contribution / active EE | $814 | $2,870-71.6% | $4,294-81.1% | $2,551-68.1% |
| Participant deferral / active EE | $7,256 | $4,577+58.5% | $6,132+18.3% | $4,139+75.3% |
| Admin fee / account holder | $1,890 | $9,341-79.8% | $14,586-87.0% | $7,234-73.9% |