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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 | $51,956 | $124,980-58.4% | $108,359-52.1% | $154,746-66.4% |
| Participation rate | 82.4% | 75.2%+7.2pp | 70.1%+12.2pp | 80.7%+1.7pp |
| Annual return | 16.11% | 45.00%-28.9pp | 36.89%-20.8pp | 172.34%-156.2pp |
| Employer contribution / active EE | $1,756 | $2,851-38.4% | $2,399-26.8% | $4,379-59.9% |
| Participant deferral / active EE | $4,921 | $4,743+3.8% | $4,137+19.0% | $6,730-26.9% |
| Admin fee / account holder | $448 | $11,502-96.1% | $9,741-95.4% | $14,365-96.9% |