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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 | $48,267 | $81,331-40.7% | $155,534-69.0% | $80,935-40.4% |
| Participation rate | 96.2% | 66.3%+29.9pp | 78.2%+17.9pp | 67.7%+28.5pp |
| Annual return | 14.18% | 33.37%-19.2pp | 64.92%-50.7pp | 35.66%-21.5pp |
| Employer contribution / active EE | $1,591 | $3,105-48.8% | $4,675-66.0% | $2,757-42.3% |
| Participant deferral / active EE | $5,776 | $3,454+67.2% | $5,630+2.6% | $4,299+34.3% |
| Admin fee / account holder | $823 | $7,999-89.7% | $15,900-94.8% | $6,924-88.1% |