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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 | $41,321 | $89,367-53.8% | $141,191-70.7% | $72,975-43.4% |
| Participation rate | 84.0% | 75.1%+8.9pp | 82.5%+1.5pp | 69.5%+14.5pp |
| Annual return | 23.51% | 111.87%-88.4pp | 71.41%-47.9pp | 81.01%-57.5pp |
| Employer contribution / active EE | $2,612 | $3,115-16.1% | $4,736-44.8% | $2,440+7.1% |
| Participant deferral / active EE | $5,078 | $5,419-6.3% | $6,710-24.3% | $3,608+40.8% |
| Admin fee / account holder | $3,870 | $5,957-35.0% | $10,264-62.3% | $5,124-24.5% |