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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 | $52,624 | $77,638-32.2% | $156,551-66.4% | $62,881-16.3% |
| Participation rate | 86.2% | 71.2%+15.0pp | 84.0%+2.2pp | 69.3%+16.9pp |
| Annual return | 7.22% | 50.33%-43.1pp | 32.23%-25.0pp | 20.14%-12.9pp |
| Employer contribution / active EE | $2,034 | $3,444-40.9% | $5,501-63.0% | $2,281-10.8% |
| Participant deferral / active EE | $4,144 | $3,046+36.1% | $4,871-14.9% | $3,203+29.4% |
| Admin fee / account holder | $633 | $5,561-88.6% | $13,028-95.1% | $4,296-85.3% |