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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 | $58,897 | $77,638-24.1% | $156,551-62.4% | $62,881-6.3% |
| Participation rate | 88.9% | 71.2%+17.7pp | 84.0%+4.9pp | 69.3%+19.6pp |
| Annual return | 7.52% | 50.33%-42.8pp | 32.23%-24.7pp | 20.14%-12.6pp |
| Employer contribution / active EE | $2,063 | $3,444-40.1% | $5,501-62.5% | $2,281-9.5% |
| Participant deferral / active EE | $5,490 | $3,046+80.3% | $4,871+12.7% | $3,203+71.4% |
| Admin fee / account holder | $2,040 | $5,561-63.3% | $13,028-84.3% | $4,296-52.5% |