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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 | $53,923 | $93,598-42.4% | $135,974-60.3% | $75,173-28.3% |
| Participation rate | 93.9% | 75.2%+18.7pp | 81.9%+12.0pp | 67.2%+26.7pp |
| Annual return | 19.67% | 30.89%-11.2pp | 68.30%-48.6pp | 160.72%-141.0pp |
| Employer contribution / active EE | $4,818 | $3,538+36.2% | $4,859-0.8% | $2,671+80.4% |
| Participant deferral / active EE | $3,197 | $6,405-50.1% | $7,760-58.8% | $4,126-22.5% |
| Admin fee / account holder | $1,104 | $6,978-84.2% | $10,767-89.7% | $5,651-80.5% |