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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 | $23,856 | $100,901-76.4% | $75,501-68.4% | $147,585-83.8% |
| Participation rate | 94.7% | 77.1%+17.6pp | 72.4%+22.4pp | 82.8%+11.9pp |
| Annual return | 34.35% | 35.78%-1.4pp | 27.35%+7.0pp | 578.58%-544.2pp |
| Employer contribution / active EE | $2,254 | $3,253-30.7% | $2,352-4.2% | $4,876-53.8% |
| Participant deferral / active EE | $4,498 | $4,027+11.7% | $3,142+43.2% | $5,439-17.3% |
| Admin fee / account holder | $388 | $11,285-96.6% | $5,801-93.3% | $10,886-96.4% |