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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 | $40,828 | $89,370-54.3% | $141,197-71.1% | $72,976-44.1% |
| Participation rate | 73.5% | 75.1%-1.6pp | 82.5%-8.9pp | 69.5%+4.0pp |
| Annual return | 33.72% | 111.88%-78.2pp | 71.41%-37.7pp | 81.02%-47.3pp |
| Employer contribution / active EE | $2,230 | $3,115-28.4% | $4,736-52.9% | $2,440-8.6% |
| Participant deferral / active EE | $4,781 | $5,419-11.8% | $6,710-28.7% | $3,608+32.5% |
| Admin fee / account holder | $670 | $5,957-88.7% | $10,265-93.5% | $5,124-86.9% |