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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 | $39,261 | $77,908-49.6% | $149,696-73.8% | $75,173-47.8% |
| Participation rate | 80.8% | 65.6%+15.2pp | 78.8%+2.0pp | 67.2%+13.6pp |
| Annual return | 21.65% | 31.73%-10.1pp | 134.46%-112.8pp | 160.72%-139.1pp |
| Employer contribution / active EE | $2,622 | $3,138-16.4% | $4,821-45.6% | $2,671-1.8% |
| Participant deferral / active EE | $6,183 | $3,411+81.3% | $5,682+8.8% | $4,126+49.8% |
| Admin fee / account holder | $343 | $5,950-94.2% | $13,212-97.4% | $5,651-93.9% |