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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 | $41,088 | $48,053-14.5% | $84,637-51.5% | $72,976-43.7% |
| Participation rate | 71.1% | 57.6%+13.5pp | 68.2%+2.8pp | 69.5%+1.6pp |
| Annual return | 19.93% | 37.39%-17.5pp | 258.82%-238.9pp | 81.02%-61.1pp |
| Employer contribution / active EE | $1,276 | $1,602-20.4% | $2,653-51.9% | $2,440-47.7% |
| Participant deferral / active EE | $4,250 | $2,681+58.6% | $3,900+9.0% | $3,608+17.8% |
| Admin fee / account holder | $4,423 | $3,395+30.3% | $4,914-10.0% | $5,124-13.7% |