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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 | $54,146 | $65,364-17.2% | $92,909-41.7% | $72,975-25.8% |
| Participation rate | 82.1% | 68.3%+13.8pp | 76.0%+6.1pp | 69.5%+12.7pp |
| Annual return | 19.69% | 42.11%-22.4pp | 109.44%-89.7pp | 81.01%-61.3pp |
| Employer contribution / active EE | $3,404 | $2,594+31.2% | $3,653-6.8% | $2,440+39.5% |
| Participant deferral / active EE | $1,917 | $3,128-38.7% | $4,238-54.8% | $3,608-46.9% |
| Admin fee / account holder | $5,561 | $4,251+30.8% | $5,795-4.0% | $5,124+8.5% |