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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 | $57,245 | $91,559-37.5% | $133,959-57.3% | $79,858-28.3% |
| Participation rate | 77.4% | 73.3%+4.1pp | 79.8%-2.4pp | 69.6%+7.8pp |
| Annual return | 18.07% | 61.85%-43.8pp | 45.09%-27.0pp | 31.72%-13.6pp |
| Employer contribution / active EE | $1,753 | $2,384-26.4% | $3,919-55.3% | $2,471-29.0% |
| Participant deferral / active EE | $4,906 | $3,734+31.4% | $5,047-2.8% | $3,740+31.2% |
| Admin fee / account holder | $2,595 | $6,321-59.0% | $8,928-70.9% | $5,306-51.1% |