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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 | $64,208 | $91,559-29.9% | $133,959-52.1% | $79,858-19.6% |
| Participation rate | 91.8% | 73.3%+18.5pp | 79.8%+12.0pp | 69.6%+22.2pp |
| Annual return | 19.65% | 61.85%-42.2pp | 45.09%-25.4pp | 31.72%-12.1pp |
| Employer contribution / active EE | $1,442 | $2,384-39.5% | $3,919-63.2% | $2,471-41.6% |
| Participant deferral / active EE | $3,779 | $3,734+1.2% | $5,047-25.1% | $3,740+1.0% |
| Admin fee / account holder | $2,670 | $6,321-57.8% | $8,928-70.1% | $5,306-49.7% |