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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 | $23,325 | $77,638-70.0% | $156,551-85.1% | $62,881-62.9% |
| Participation rate | 81.4% | 71.2%+10.2pp | 84.0%-2.7pp | 69.3%+12.1pp |
| Annual return | 8.06% | 50.33%-42.3pp | 32.23%-24.2pp | 20.14%-12.1pp |
| Employer contribution / active EE | $1,637 | $3,444-52.5% | $5,501-70.2% | $2,281-28.2% |
| Participant deferral / active EE | $4,124 | $3,046+35.4% | $4,871-15.3% | $3,203+28.8% |
| Admin fee / account holder | $559 | $5,561-90.0% | $13,028-95.7% | $4,296-87.0% |