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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 | $40,655 | $77,638-47.6% | $156,551-74.0% | $62,881-35.3% |
| Participation rate | 74.1% | 71.2%+2.9pp | 84.0%-9.9pp | 69.3%+4.8pp |
| Annual return | 6.60% | 50.33%-43.7pp | 32.23%-25.6pp | 20.14%-13.5pp |
| Employer contribution / active EE | $554 | $3,444-83.9% | $5,501-89.9% | $2,281-75.7% |
| Participant deferral / active EE | $4,923 | $3,046+61.6% | $4,871+1.1% | $3,203+53.7% |
| Admin fee / account holder | $1,855 | $5,561-66.7% | $13,028-85.8% | $4,296-56.8% |