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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 | $51,048 | $88,360-42.2% | $145,433-64.9% | $67,986-24.9% |
| Participation rate | 79.6% | 65.5%+14.1pp | 82.1%-2.5pp | 57.2%+22.4pp |
| Annual return | 33.84% | 63.15%-29.3pp | 66.58%-32.7pp | 31.67%+2.2pp |
| Employer contribution / active EE | $4,399 | $3,054+44.0% | $4,554-3.4% | $2,019+117.9% |
| Participant deferral / active EE | $9,836 | $5,932+65.8% | $7,897+24.6% | $3,358+192.9% |
| Admin fee / account holder | $1,318 | $3,313-60.2% | $13,129-90.0% | $3,203-58.8% |