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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 | $74,213 | $91,559-18.9% | $133,978-44.6% | $79,856-7.1% |
| Participation rate | 79.3% | 73.3%+6.0pp | 79.8%-0.5pp | 69.6%+9.7pp |
| Annual return | 14.94% | 61.85%-46.9pp | 45.10%-30.2pp | 31.71%-16.8pp |
| Employer contribution / active EE | $1,348 | $2,384-43.4% | $3,919-65.6% | $2,471-45.4% |
| Participant deferral / active EE | $4,564 | $3,734+22.2% | $5,047-9.6% | $3,741+22.0% |
| Admin fee / account holder | $1,136 | $6,321-82.0% | $8,930-87.3% | $5,306-78.6% |