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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 | $38,540 | $77,638-50.4% | $156,551-75.4% | $62,881-38.7% |
| Participation rate | 76.9% | 71.2%+5.7pp | 84.0%-7.1pp | 69.3%+7.6pp |
| Annual return | 5.51% | 50.33%-44.8pp | 32.23%-26.7pp | 20.14%-14.6pp |
| Employer contribution / active EE | $1,423 | $3,444-58.7% | $5,501-74.1% | $2,281-37.6% |
| Participant deferral / active EE | $2,790 | $3,046-8.4% | $4,871-42.7% | $3,203-12.9% |
| Admin fee / account holder | $4,565 | $5,561-17.9% | $13,028-65.0% | $4,296+6.3% |