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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 | $58,567 | $77,638-24.6% | $156,551-62.6% | $62,881-6.9% |
| Participation rate | 86.2% | 71.2%+15.0pp | 84.0%+2.2pp | 69.3%+16.9pp |
| Annual return | 6.95% | 50.33%-43.4pp | 32.23%-25.3pp | 20.14%-13.2pp |
| Employer contribution / active EE | $1,414 | $3,444-58.9% | $5,501-74.3% | $2,281-38.0% |
| Participant deferral / active EE | $4,177 | $3,046+37.2% | $4,871-14.2% | $3,203+30.4% |
| Admin fee / account holder | $500 | $5,561-91.0% | $13,028-96.2% | $4,296-88.4% |