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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 | $31,852 | $90,486-64.8% | $78,676-59.5% | $273,972-88.4% |
| Participation rate | 94.7% | 76.5%+18.2pp | 73.6%+21.2pp | 83.0%+11.7pp |
| Annual return | 6.63% | 75.62%-69.0pp | 62.19%-55.6pp | 41.46%-34.8pp |
| Employer contribution / active EE | $1,946 | $3,175-38.7% | $2,850-31.7% | $4,869-60.0% |
| Participant deferral / active EE | $2,854 | $3,901-26.8% | $3,517-18.8% | $5,287-46.0% |
| Admin fee / account holder | $357 | $5,263-93.2% | $4,510-92.1% | $10,133-96.5% |