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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 | $54,207 | $65,027-16.6% | $90,970-40.4% | $79,852-32.1% |
| Participation rate | 90.6% | 61.6%+29.0pp | 69.0%+21.6pp | 69.6%+21.0pp |
| Annual return | 16.75% | 30.45%-13.7pp | 134.58%-117.8pp | 31.72%-15.0pp |
| Employer contribution / active EE | $2,313 | $1,247+85.4% | $2,122+9.0% | $2,471-6.4% |
| Participant deferral / active EE | $4,877 | $2,512+94.2% | $3,373+44.6% | $3,740+30.4% |
| Admin fee / account holder | $406 | $4,535-91.0% | $5,960-93.2% | $5,306-92.3% |