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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 | $50,513 | $91,086-44.5% | $203,872-75.2% | $86,983-41.9% |
| Participation rate | 78.6% | 65.8%+12.7pp | 77.8%+0.8pp | 69.5%+9.0pp |
| Annual return | 20.98% | 22.30%-1.3pp | 85.11%-64.1pp | 25.83%-4.9pp |
| Employer contribution / active EE | $1,916 | $2,063-7.1% | $3,757-49.0% | $2,584-25.9% |
| Participant deferral / active EE | $6,522 | $4,019+62.3% | $6,388+2.1% | $4,194+55.5% |
| Admin fee / account holder | $496 | $8,987-94.5% | $11,730-95.8% | $7,856-93.7% |