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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 | $43,955 | $93,617-53.0% | $135,982-67.7% | $75,177-41.5% |
| Participation rate | 92.3% | 75.2%+17.1pp | 81.9%+10.4pp | 67.2%+25.1pp |
| Annual return | 18.74% | 30.89%-12.1pp | 68.32%-49.6pp | 160.75%-142.0pp |
| Employer contribution / active EE | $5,690 | $3,538+60.8% | $4,859+17.1% | $2,671+113.0% |
| Participant deferral / active EE | $5,870 | $6,406-8.4% | $7,760-24.4% | $4,126+42.3% |
| Admin fee / account holder | $1,144 | $6,980-83.6% | $10,767-89.4% | $5,651-79.8% |