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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 | $40,914 | $77,638-47.3% | $156,551-73.9% | $62,881-34.9% |
| Participation rate | 89.9% | 71.2%+18.7pp | 84.0%+5.8pp | 69.3%+20.6pp |
| Annual return | 7.30% | 50.33%-43.0pp | 32.23%-24.9pp | 20.14%-12.8pp |
| Employer contribution / active EE | $3,310 | $3,444-3.9% | $5,501-39.8% | $2,281+45.1% |
| Participant deferral / active EE | $3,313 | $3,046+8.8% | $4,871-32.0% | $3,203+3.4% |
| Admin fee / account holder | $1,697 | $5,561-69.5% | $13,028-87.0% | $4,296-60.5% |