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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 | $38,647 | $98,766-60.9% | $149,730-74.2% | $79,852-51.6% |
| Participation rate | 89.7% | 75.8%+13.9pp | 82.5%+7.2pp | 69.6%+20.0pp |
| Annual return | 16.82% | 27.43%-10.6pp | 276.70%-259.9pp | 31.72%-14.9pp |
| Employer contribution / active EE | $1,403 | $3,217-56.4% | $4,645-69.8% | $2,471-43.2% |
| Participant deferral / active EE | $3,276 | $5,681-42.3% | $6,843-52.1% | $3,740-12.4% |
| Admin fee / account holder | $751 | $6,052-87.6% | $9,310-91.9% | $5,306-85.9% |