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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 | $34,084 | $78,423-56.5% | $95,964-64.5% | $79,856-57.3% |
| Participation rate | 83.7% | 73.5%+10.2pp | 77.1%+6.6pp | 69.6%+14.1pp |
| Annual return | 20.02% | 19.37%+0.7pp | 91.64%-71.6pp | 31.71%-11.7pp |
| Employer contribution / active EE | $1,494 | $1,945-23.2% | $2,541-41.2% | $2,471-39.5% |
| Participant deferral / active EE | $4,251 | $3,440+23.6% | $4,167+2.0% | $3,741+13.6% |
| Admin fee / account holder | $766 | $5,622-86.4% | $6,797-88.7% | $5,306-85.6% |