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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 | $59,318 | $94,031-36.9% | $115,768-48.8% | $82,448-28.1% |
| Participation rate | 82.1% | 70.4%+11.7pp | 74.4%+7.7pp | 68.1%+14.1pp |
| Annual return | 15.18% | 20.61%-5.4pp | 100.46%-85.3pp | 41.64%-26.5pp |
| Employer contribution / active EE | $1,842 | $2,323-20.7% | $2,940-37.4% | $2,551-27.8% |
| Participant deferral / active EE | $5,132 | $3,972+29.2% | $4,917+4.4% | $4,139+24.0% |
| Admin fee / account holder | $553 | $10,249-94.6% | $12,439-95.6% | $7,234-92.4% |