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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 | $37,229 | $98,766-62.3% | $149,730-75.1% | $79,852-53.4% |
| Participation rate | 84.1% | 75.8%+8.3pp | 82.5%+1.6pp | 69.6%+14.4pp |
| Annual return | 21.56% | 27.43%-5.9pp | 276.70%-255.1pp | 31.72%-10.2pp |
| Employer contribution / active EE | $1,143 | $3,217-64.5% | $4,645-75.4% | $2,471-53.8% |
| Participant deferral / active EE | $4,531 | $5,681-20.2% | $6,843-33.8% | $3,740+21.1% |
| Admin fee / account holder | $493 | $6,052-91.9% | $9,310-94.7% | $5,306-90.7% |