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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 | $38,383 | $77,638-50.6% | $156,551-75.5% | $62,881-39.0% |
| Participation rate | 73.7% | 71.2%+2.5pp | 84.0%-10.3pp | 69.3%+4.4pp |
| Annual return | 6.36% | 50.33%-44.0pp | 32.23%-25.9pp | 20.14%-13.8pp |
| Employer contribution / active EE | $1,482 | $3,444-57.0% | $5,501-73.1% | $2,281-35.0% |
| Participant deferral / active EE | $3,098 | $3,046+1.7% | $4,871-36.4% | $3,203-3.3% |
| Admin fee / account holder | $3,872 | $5,561-30.4% | $13,028-70.3% | $4,296-9.9% |