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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 | $39,113 | $81,276-51.9% | $155,574-74.9% | $80,925-51.7% |
| Participation rate | 97.7% | 66.2%+31.5pp | 78.2%+19.5pp | 67.7%+30.1pp |
| Annual return | 11.96% | 33.36%-21.4pp | 64.87%-52.9pp | 35.65%-23.7pp |
| Employer contribution / active EE | $2,329 | $3,103-24.9% | $4,676-50.2% | $2,756-15.5% |
| Participant deferral / active EE | $2,978 | $3,453-13.8% | $5,629-47.1% | $4,299-30.7% |
| Admin fee / account holder | $1,048 | $7,993-86.9% | $15,914-93.4% | $6,940-84.9% |