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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 | $43,732 | $91,559-52.2% | $133,971-67.4% | $79,852-45.2% |
| Participation rate | 72.3% | 73.3%-1.0pp | 79.8%-7.5pp | 69.6%+2.7pp |
| Annual return | 19.22% | 61.85%-42.6pp | 45.09%-25.9pp | 31.72%-12.5pp |
| Employer contribution / active EE | $1,674 | $2,384-29.8% | $3,919-57.3% | $2,471-32.2% |
| Participant deferral / active EE | $3,204 | $3,734-14.2% | $5,047-36.5% | $3,740-14.4% |
| Admin fee / account holder | $431 | $6,321-93.2% | $8,929-95.2% | $5,306-91.9% |