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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 | $36,119 | $76,407-52.7% | $150,298-76.0% | $82,448-56.2% |
| Participation rate | 82.0% | 66.4%+15.6pp | 77.8%+4.2pp | 68.1%+13.9pp |
| Annual return | 14.66% | 39.99%-25.3pp | 62.79%-48.1pp | 41.64%-27.0pp |
| Employer contribution / active EE | $644 | $2,614-75.4% | $4,154-84.5% | $2,551-74.8% |
| Participant deferral / active EE | $3,970 | $3,214+23.5% | $5,453-27.2% | $4,139-4.1% |
| Admin fee / account holder | $501 | $6,352-92.1% | $14,116-96.4% | $7,234-93.1% |