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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 | $38,422 | $77,638-50.5% | $156,551-75.5% | $62,881-38.9% |
| Participation rate | 84.4% | 71.2%+13.2pp | 84.0%+0.4pp | 69.3%+15.1pp |
| Annual return | 8.20% | 50.33%-42.1pp | 32.23%-24.0pp | 20.14%-11.9pp |
| Employer contribution / active EE | $1,634 | $3,444-52.5% | $5,501-70.3% | $2,281-28.4% |
| Participant deferral / active EE | $2,875 | $3,046-5.6% | $4,871-41.0% | $3,203-10.2% |
| Admin fee / account holder | $778 | $5,561-86.0% | $13,028-94.0% | $4,296-81.9% |