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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 | $47,595 | $99,053-51.9% | $88,179-46.0% | $138,895-65.7% |
| Participation rate | 75.0% | 74.2%+0.8pp | 69.1%+5.9pp | 79.9%-4.9pp |
| Annual return | 16.03% | 78.17%-62.1pp | 64.97%-48.9pp | 145.39%-129.4pp |
| Employer contribution / active EE | $1,262 | $2,882-56.2% | $2,549-50.5% | $4,194-69.9% |
| Participant deferral / active EE | $6,256 | $5,225+19.7% | $4,614+35.6% | $6,396-2.2% |
| Admin fee / account holder | $1,435 | $8,748-83.6% | $7,673-81.3% | $12,562-88.6% |