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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 | $36,014 | $77,638-53.6% | $156,551-77.0% | $62,881-42.7% |
| Participation rate | 93.9% | 71.2%+22.7pp | 84.0%+9.9pp | 69.3%+24.6pp |
| Annual return | 6.10% | 50.33%-44.2pp | 32.23%-26.1pp | 20.14%-14.0pp |
| Employer contribution / active EE | $1,018 | $3,444-70.4% | $5,501-81.5% | $2,281-55.4% |
| Participant deferral / active EE | $4,990 | $3,046+63.9% | $4,871+2.4% | $3,203+55.8% |
| Admin fee / account holder | $2,040 | $5,561-63.3% | $13,028-84.3% | $4,296-52.5% |