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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 | $39,140 | $93,346-58.1% | $71,796-45.5% | $273,972-85.7% |
| Participation rate | 88.9% | 76.5%+12.4pp | 69.1%+19.8pp | 83.0%+5.9pp |
| Annual return | 6.66% | 130.39%-123.7pp | 78.04%-71.4pp | 41.46%-34.8pp |
| Employer contribution / active EE | $1,803 | $2,733-34.0% | $1,924-6.3% | $4,869-63.0% |
| Participant deferral / active EE | $3,757 | $3,475+8.1% | $2,794+34.4% | $5,287-28.9% |
| Admin fee / account holder | $7,475 | $6,571+13.8% | $4,815+55.2% | $10,133-26.2% |