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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 | $60,724 | $98,776-38.5% | $149,745-59.4% | $79,856-24.0% |
| Participation rate | 93.4% | 75.8%+17.7pp | 82.5%+11.0pp | 69.6%+23.8pp |
| Annual return | 17.96% | 27.38%-9.4pp | 276.72%-258.8pp | 31.71%-13.8pp |
| Employer contribution / active EE | $2,561 | $3,217-20.4% | $4,646-44.9% | $2,471+3.6% |
| Participant deferral / active EE | $4,799 | $5,681-15.5% | $6,843-29.9% | $3,741+28.3% |
| Admin fee / account holder | $498 | $6,053-91.8% | $9,312-94.7% | $5,306-90.6% |