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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 | $46,404 | $77,638-40.2% | $156,551-70.4% | $62,881-26.2% |
| Participation rate | 85.7% | 71.2%+14.5pp | 84.0%+1.7pp | 69.3%+16.4pp |
| Annual return | 7.96% | 50.33%-42.4pp | 32.23%-24.3pp | 20.14%-12.2pp |
| Employer contribution / active EE | $2,418 | $3,444-29.8% | $5,501-56.0% | $2,281+6.0% |
| Participant deferral / active EE | $3,484 | $3,046+14.4% | $4,871-28.5% | $3,203+8.8% |
| Admin fee / account holder | $978 | $5,561-82.4% | $13,028-92.5% | $4,296-77.2% |