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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 | $40,665 | $77,638-47.6% | $156,551-74.0% | $62,881-35.3% |
| Participation rate | 88.5% | 71.2%+17.3pp | 84.0%+4.4pp | 69.3%+19.2pp |
| Annual return | 6.80% | 50.33%-43.5pp | 32.23%-25.4pp | 20.14%-13.3pp |
| Employer contribution / active EE | $1,589 | $3,444-53.8% | $5,501-71.1% | $2,281-30.3% |
| Participant deferral / active EE | $2,263 | $3,046-25.7% | $4,871-53.5% | $3,203-29.3% |
| Admin fee / account holder | $825 | $5,561-85.2% | $13,028-93.7% | $4,296-80.8% |