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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 | $37,513 | $77,638-51.7% | $156,551-76.0% | $62,881-40.3% |
| Participation rate | 75.5% | 71.2%+4.3pp | 84.0%-8.5pp | 69.3%+6.2pp |
| Annual return | 5.41% | 50.33%-44.9pp | 32.23%-26.8pp | 20.14%-14.7pp |
| Employer contribution / active EE | $569 | $3,444-83.5% | $5,501-89.7% | $2,281-75.1% |
| Participant deferral / active EE | $1,616 | $3,046-46.9% | $4,871-66.8% | $3,203-49.5% |
| Admin fee / account holder | $1,777 | $5,561-68.0% | $13,028-86.4% | $4,296-58.6% |