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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 | $52,599 | $63,365-17.0% | $91,994-42.8% | $72,976-27.9% |
| Participation rate | 86.2% | 72.5%+13.7pp | 78.6%+7.6pp | 69.5%+16.7pp |
| Annual return | 30.15% | 35.35%-5.2pp | 69.04%-38.9pp | 81.02%-50.9pp |
| Employer contribution / active EE | $1,236 | $2,116-41.6% | $3,453-64.2% | $2,440-49.4% |
| Participant deferral / active EE | $9,554 | $4,883+95.6% | $5,924+61.3% | $3,608+164.8% |
| Admin fee / account holder | $3,845 | $4,670-17.7% | $7,744-50.4% | $5,124-25.0% |