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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 | $40,324 | $91,559-56.0% | $133,971-69.9% | $79,852-49.5% |
| Participation rate | 73.5% | 73.3%+0.2pp | 79.8%-6.3pp | 69.6%+3.9pp |
| Annual return | 14.88% | 61.85%-47.0pp | 45.09%-30.2pp | 31.72%-16.8pp |
| Employer contribution / active EE | $1,630 | $2,384-31.6% | $3,919-58.4% | $2,471-34.0% |
| Participant deferral / active EE | $2,158 | $3,734-42.2% | $5,047-57.2% | $3,740-42.3% |
| Admin fee / account holder | $458 | $6,321-92.8% | $8,929-94.9% | $5,306-91.4% |