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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 | $30,583 | $77,638-60.6% | $156,551-80.5% | $62,881-51.4% |
| Participation rate | 93.2% | 71.2%+22.0pp | 84.0%+9.2pp | 69.3%+23.9pp |
| Annual return | 4.76% | 50.33%-45.6pp | 32.23%-27.5pp | 20.14%-15.4pp |
| Employer contribution / active EE | $3,051 | $3,444-11.4% | $5,501-44.5% | $2,281+33.8% |
| Participant deferral / active EE | $2,591 | $3,046-14.9% | $4,871-46.8% | $3,203-19.1% |
| Admin fee / account holder | $696 | $5,561-87.5% | $13,028-94.7% | $4,296-83.8% |