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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 | $49,173 | $78,707-37.5% | $117,861-58.3% | $70,126-29.9% |
| Participation rate | 97.1% | 73.2%+24.0pp | 79.7%+17.5pp | 69.5%+27.6pp |
| Annual return | 18.12% | 23.30%-5.2pp | 335.11%-317.0pp | 73.15%-55.0pp |
| Employer contribution / active EE | $3,865 | $2,223+73.8% | $3,786+2.1% | $2,343+65.0% |
| Participant deferral / active EE | $3,787 | $3,297+14.9% | $4,482-15.5% | $3,332+13.7% |
| Admin fee / account holder | $626 | $5,066-87.6% | $8,021-92.2% | $4,645-86.5% |